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In response to "No, because I was not retiring in August. I'm not concerned with short-term gains or loses -- nm" by Mr. Havens

It does seem like a vehicle to allow ordinary Americans put away their cash and enact such early withdrawl penalties so as to make any application of

one's own financial know how redundant. "The market will look after it for me" attitude, even in the face of the worst financial storm in over a century.

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