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2013 has been an interesting year for stock and bond markets around the globe. While the U.S. stock market has been quite strong, foreign stock markets and the U.S. bond markets have been very weak to negative year to date. In addition to our regular quarterly newsletter, we felt it would be helpful if we shared with you some of our background research on recent market trends and opportunities. If you have any questions on these materials or would like strategic help improving your portfolio returns, please contact us at 800-492-1107.