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Suppose you were a real estate investor with a 1<br>3 interest in the best apartment complex in town, the best mall, and the best office building. Would you feel like a poor, undiversified investor? No! But as soon as you get into stocks, people feel this way. Partly, people need to justify their fees.

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Robert Breault

A toast once heard: "To my big sister, who never found her second Easter egg until I'd found my first. "