With all due respect to the highly educated wine tasting panels out there, I prefer to taste wines with everyday consumers this practice keeps me honest.

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Even beyond that, our readers must also be able to trust that the analysis, perspective and context we apply to facts -- forms of interpretive journalism our readers expect, but few beyond the Journal can practice -- reflect only the honest assessment of our journalists.

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Of the handful of true, honest-to-god free lunches, diversification and the stop loss are the ones I emphasize most in my practice.

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