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As the independent provider of the most reliable, unbiased investment information available, Morningstar Associates' extensive line of Internet, software, and print services offers news, data, and analysis on stocks, mutual funds, closed-end funds, and variable annuities. Morningstar Associates, does not own, operate, or hold any interest in investment products. The financial data and methodology used in ClearFuturesm are proprietary to Morningstar, Inc. and/or Morningstar Associates, LLC. Although the data is gathered from reliable sources, neither Morningstar, Inc. nor Morningstar Associates, LLC guarantees their accuracy, completeness, or timeliness. Past performance is no guarantee of future performance.

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