The last year has definitely been an interesting one, you know, in the world of financial advice. There have been some difficult times, but they're all learning experiences. For our clients who have largely remained invested because we don't believe that timing the market is a truly feasible thing many people can do over and over and repeatedly again. So they're happy this year. You know, bonds are up, stocks are up. It's been a great year so far. We have an warning that this might not last.

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