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Is There a Pandemic?
Toto: A lot of what we're talking about assumes a certain level of personal agency and financial security. Toto: For people who had families, it's like, all you like family, we're going to shove it down your throatyou never escape. And then meanwhile, you have a situation like me where i'm just taking walks for five hours a day by myself. This was not a problem during the pandemic. We were all over indexing and under indexing on certain things in different ways. What we need is essentially a portfolio re balancing.