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I live in fear that few can share. I’m confident, however, many of my readers both here and at FiduciaryNews.com do share this same fear. To those who don’t, I can only describe it as akin to that “final exam” nightmare. You know the one I’m talking about. It’s when you dream it’s the morning of the big test in a class you need to graduate – and you suddenly realize you’ve never attended any lectures and never read any of the books.

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