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The articles on this website are the opinions of the contributors and should not be taken as financial advice. At the time of authorship, the author may or may not hold securities mentioned in the article. Past performance is not an indication of future results. This publication does not constitute an offer to purchase, sell or hold securities or units in a fund, and is not a substitute for investment and/or tax advice/marketing that takes into account the special needs of each person. Please consult a professional investment adviser concerning your specific situation before making personal financial decisions.