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      of company reports)
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   -  foreign (non-U.S.)
   -  Internet
   -  prepaid tuition, college savings plan
   -  products, choices
   -  research, education
   -  retirement income  
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"We now accept the fact that learning is a lifelong process of keeping abreast of change. And the most pressing task is to teach people how to learn."

-- Dr. Peter Drucker,  Austrian-born American management consultant, educator

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