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  baz;
  please read your posts where you give the opinion you are the only financial whiz kid on here.
  its far from true
  and many posters on here if you were to ever bother to look into have as much or some even more financial noddle than yourself
  
  but they don't go around saying you don't undestand, or such nonsense
  
  its good to read the varied views put by all in the interests of all.

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