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© 2010, Graham Financial Strategies Group Inc.The information contained herein is derived from sources which are believed to be reliable, but Graham Financial Strategies Group Inc. (GFSG) makes no representation that this information is accurate or complete. The document is delivered by GFSG on the condition that GFSG, its officers, directors and affiliates shall incur no liability whatsoever or howsoever arising in connection with the information contained herein or reliance thereon. Any opinion expressed herein is based solely upon the author's current analysis and interpretation of each information, is subject to change and does not necessarily represent the opinions of Graham Financial Strategies Group Inc., its affiliates or subsidiaries. Please consult your advisors, including tax advisors prior to making an investment decision.