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To: Robert Douglas who wrote (90693)	10/20/1999 3:29:00 PM
From: Paul Engel	Respond to of 186894

Robert - Re: "This isn't the only risk of being entirely in fixed-income instruments. If the rate drops after your purchase you get a nice capital gain but in many securities you also get an early call. This hands you back your investment precisely at the wrong time - when rates are low. " Thanks for that additional input. I have a good friend (Danagus) who is a BOND EXPERT. He discussed all these ramifications of yields, early calls, tax implications, rate changes, etc., a few times - and it just made my head spin ! Paul