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The Oakmark Fund generated an 11% return during the fourth quarter, outperforming the S&P 500 Index's return of 9% over the same time period. We were encouraged that investors rewarded several of our key holdings within the financials sector, our largest and top contributing sector during the fourth quarter. As discussed in this quarter's market commentary, we continue to believe that our holdings within the financials sector offer an attractive risk/reward proposition, given their safer balance sheets and stronger competitive positions relative to recent history. We believe the prices of our financial holdings do not