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Well, I would say, I would claim that the financial industry, the municipal market has created a monster in terms of investors and how we invest in the municipal market.
And what I mean by that is, investors have been lulled into buying bonds and investing in bonds in one way. Nearly a generation of investors - think about that: a generation of investors, from the early 1980s till currently, bought bonds or have been buying bonds one way. That is, buying those bonds and holding them to maturity. Now, during