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While many have been left behind by Part D, there is a clear winner: the drug industry. Independent analysts predict that Part D will increase drug industry profits by $139 billion over the next eight years. Glaxo-SmithKline's second-quarter net income already jumped 14 percent, and other leading drug companies also have benefited.

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Scott D. Cook

Mutual funds were created to make investing easy, so consumers wouldn't have to be burdened with picking individual stocks.