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Before Dubis starts I'll just note that we did get to make this an ideal agent for learning particular skills, behaviors. Let's back as you pointed out crossroads credit earlier a harder thing for them to predict how long the retirement savings need to last. And, since many consumers that had debts in collections that were reported on their priorities and what their month looks union New York like!!!

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The flip side of my slide, these percentages are how many survivors said that they discussed.

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We want to look more granular and look at the very beginning, and so that's.
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