| Bob wishes to note that he does not maintain static investment positions for an entire year
with actual clients, and this portfolio is only an attempt to allocate dollars given investment conditions at the beginning of 2001. An
actual client portfolio might look very different in three, six, or nine months, depending on many factors that cannot be predicted at this moment. Also, a 100% equity portfolio (as below) might not be appropriate for many investors. Percentages represent allocation of a hypothetical $100,000 portfolio
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