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Hi Rhys, I want to thank you so much for your detailed response. I really appreciate it. You clarified all of my confusion and I now feel I can make the right effective decision for myself, having been provided the details so elegantly by yourself. I want let you know that the experience I have had with you has been exceptional, far exceeding my expectation. Thank you so much again and I hope you enjoy the rest of your day. Kind regards,

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