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You quoted the wrong person. I did not write what you quoted for this to be a response to.LIMRA
LIMRA, a worldwide research, learning and development organization, is the trusted source of industry knowledge for over 850 financial services firms. LIMRA provides its members with the latest insight and analysis on retirement, insurance and distribution, helping them develop effective business strategies that positively impact the bottom line.
I guess Comey can talk about retirement.
There is a function on the forum that allows you to automatically quote posts. It will keep you from getting confused and making the same mistake again.