It is very easy for a travel agent to explain such differences to you at no cost, very hard for you to figure out on your own, and even if you do, there is no upside.

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Very hard for people to stick with a formula that is telling you to buy out-of-favor stocks that were spit out by a computer, you know, nonetheless, and to stick with that when it's not working.

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But out there diarrhea is something that can actually kill a child, and then you have this vicious cycle that happens and it's very hard for them to recover.

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