Keep in mind that municipal securities are subject to a number of risks including, but not limited to: Interest Rate Risk, the risk that the market value of fixed-income securities may fluctuate when interest rates change, and Prepayment Risk, the risk that the issuers of individual securities may prepay them at a time when interest rates have declined.

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But she points out that the market goes up and down, like any other, tastes change and prices for even the most prized furniture makers fluctuate.

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They should vary the capital structure as their businesses change and markets prefer debt or equity, or a interest rates fluctuate.

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