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I've been in this industry, coming up on 15 years now. And I'm ticked off. I'm ticked off because what I was taught when I got into this industry, what the financial institutions and even the government wants us to know about financial planning is a rouse. It's to benefit THEM more than it is to benefit US. It's only been in the last year and a half that I learned that. And I have so much fin, sharing that information with my clients.