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Market corrections force us to test our core beliefs. We still see an overly accommodative Fed providing excess liquidity; a government providing added stimulus eventually; vaccines, better therapeutics, and rapid response tests on the horizon; and improving growth overseas led by China. While there has not been a change in our overall optimistic view for the financial markets, we have made significant changes in our portfolio composition, adding great companies with more economic sensitivity looking for better days ahead in 2021 and 2022. Each of these companies navigated the pandemic successfully and are coming out