And the closer one gets to getting paid these big payments, the larger is the present value of the obligation.

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All that being said, I have an obligation to present the full picture and it is clear that among many stockbrokers is a belief that they are unfairly singled out for disclosure where other professionals are not.

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It seems to me that that undercuts, first of all, the obligation to inform Congress fully, and to present a coherent picture of your assessment to the world.

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In the General Obligation muni bond space, stick with states whose present budgets and unfunded pension liabilities appear somewhat manageable.

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