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This is not a recommendation to buy or sell securities, or of any particular strategy. These investment guidelines are not intended to represent investment advice that is appropriate for all investors. Each investor's portfolio must be constructed based on the individual's financial resources, investment goals, risk tolerance, investing time horizon, tax situation and other relevant factors. Past performance does not guarantee future results. All investments involve the risk of potential investment losses. Using any particular strategy does not guarantee greater or more consistent returns.

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