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A New Era of Annuities: Insights from David Lau of DPL Financial Partner · Views from 6,230

0:11
Let's
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go.
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Ryan Nauman Market Strategist Zephyr: Hello
0:18
Ryan Nauman Market Strategist Zephyr: everyone
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Ryan Nauman Market Strategist Zephyr: and
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Ryan Nauman Market Strategist Zephyr: welcome
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Ryan Nauman Market Strategist Zephyr: to
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Ryan Nauman Market Strategist Zephyr: zephyr's
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Ryan Nauman Market Strategist Zephyr: Adjusted
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Ryan Nauman Market Strategist Zephyr: for
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Ryan Nauman Market Strategist Zephyr: Risk
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Ryan Nauman Market Strategist Zephyr: Podcast
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Ryan Nauman Market Strategist Zephyr: from
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Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: shores
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Ryan Nauman Market Strategist Zephyr: of
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Ryan Nauman Market Strategist Zephyr: Lake
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Ryan Nauman Market Strategist Zephyr: Tahoe
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Ryan Nauman Market Strategist Zephyr: For
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Ryan Nauman Market Strategist Zephyr: years
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Ryan Nauman Market Strategist Zephyr: Americans
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Ryan Nauman Market Strategist Zephyr: were
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Ryan Nauman Market Strategist Zephyr: able
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Ryan Nauman Market Strategist Zephyr: to
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Ryan Nauman Market Strategist Zephyr: rely
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Ryan Nauman Market Strategist Zephyr: on
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Ryan Nauman Market Strategist Zephyr: pensions
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Ryan Nauman Market Strategist Zephyr: and
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Ryan Nauman Market Strategist Zephyr: social
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Ryan Nauman Market Strategist Zephyr: security
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Ryan Nauman Market Strategist Zephyr: that
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Ryan Nauman Market Strategist Zephyr: help
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Ryan Nauman Market Strategist Zephyr: fund
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Ryan Nauman Market Strategist Zephyr: retirement
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Ryan Nauman Market Strategist Zephyr: Now
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Ryan Nauman Market Strategist Zephyr: pensions
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Ryan Nauman Market Strategist Zephyr: are
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Ryan Nauman Market Strategist Zephyr: becoming
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Ryan Nauman Market Strategist Zephyr: a
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Ryan Nauman Market Strategist Zephyr: thing
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Ryan Nauman Market Strategist Zephyr: of
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Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: past
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Ryan Nauman Market Strategist Zephyr: and
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Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: future
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Ryan Nauman Market Strategist Zephyr: of
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Ryan Nauman Market Strategist Zephyr: social
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Ryan Nauman Market Strategist Zephyr: security
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Ryan Nauman Market Strategist Zephyr: is
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Ryan Nauman Market Strategist Zephyr: shall
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Ryan Nauman Market Strategist Zephyr: I
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Ryan Nauman Market Strategist Zephyr: say
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Ryan Nauman Market Strategist Zephyr: uncertain
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Ryan Nauman Market Strategist Zephyr: One
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Ryan Nauman Market Strategist Zephyr: strategy
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Ryan Nauman Market Strategist Zephyr: to
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Ryan Nauman Market Strategist Zephyr: offset
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Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: lack
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Ryan Nauman Market Strategist Zephyr: of
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Ryan Nauman Market Strategist Zephyr: retirement
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Ryan Nauman Market Strategist Zephyr: income
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Ryan Nauman Market Strategist Zephyr: is
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Ryan Nauman Market Strategist Zephyr: annuities
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Ryan Nauman Market Strategist Zephyr: I
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Ryan Nauman Market Strategist Zephyr: have
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Ryan Nauman Market Strategist Zephyr: on
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Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: perfect
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Ryan Nauman Market Strategist Zephyr: about
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Ryan Nauman Market Strategist Zephyr: all
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Ryan Nauman Market Strategist Zephyr: things
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Ryan Nauman Market Strategist Zephyr: annuities
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Ryan Nauman Market Strategist Zephyr: some
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Ryan Nauman Market Strategist Zephyr: new
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Ryan Nauman Market Strategist Zephyr: annuity
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Ryan Nauman Market Strategist Zephyr: products
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Ryan Nauman Market Strategist Zephyr: and
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Ryan Nauman Market Strategist Zephyr: innovations
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Ryan Nauman Market Strategist Zephyr: that
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Ryan Nauman Market Strategist Zephyr: might
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Ryan Nauman Market Strategist Zephyr: remove
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Ryan Nauman Market Strategist Zephyr: some
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Ryan Nauman Market Strategist Zephyr: of
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Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: hurdles
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Ryan Nauman Market Strategist Zephyr: of
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Ryan Nauman Market Strategist Zephyr: including
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Ryan Nauman Market Strategist Zephyr: annuities
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Ryan Nauman Market Strategist Zephyr: in
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Ryan Nauman Market Strategist Zephyr: your
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Ryan Nauman Market Strategist Zephyr: wealth
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Ryan Nauman Market Strategist Zephyr: management
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Ryan Nauman Market Strategist Zephyr: practice
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Ryan Nauman Market Strategist Zephyr: first
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Ryan Nauman Market Strategist Zephyr: today's
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Ryan Nauman Market Strategist Zephyr: episode
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Ryan Nauman Market Strategist Zephyr: is
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Ryan Nauman Market Strategist Zephyr: sponsored
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Ryan Nauman Market Strategist Zephyr: by
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Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: award-winning
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Ryan Nauman Market Strategist Zephyr: Zephyr
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Ryan Nauman Market Strategist Zephyr: Which
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Ryan Nauman Market Strategist Zephyr: helps
1:02
Ryan Nauman Market Strategist Zephyr: investment
1:03
Ryan Nauman Market Strategist Zephyr: professionals
1:04
Ryan Nauman Market Strategist Zephyr: make
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Ryan Nauman Market Strategist Zephyr: more
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Ryan Nauman Market Strategist Zephyr: informed
1:05
Ryan Nauman Market Strategist Zephyr: investment
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Ryan Nauman Market Strategist Zephyr: decisions
1:06
Ryan Nauman Market Strategist Zephyr: on
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Ryan Nauman Market Strategist Zephyr: behalf
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Ryan Nauman Market Strategist Zephyr: of
1:07
Ryan Nauman Market Strategist Zephyr: their
1:07
Ryan Nauman Market Strategist Zephyr: clients
1:08
Ryan Nauman Market Strategist Zephyr: All
1:08
Ryan Nauman Market Strategist Zephyr: right
1:09
Ryan Nauman Market Strategist Zephyr: Enough
1:09
Ryan Nauman Market Strategist Zephyr: from
1:09
Ryan Nauman Market Strategist Zephyr: me
1:10
Ryan Nauman Market Strategist Zephyr: Let's
1:10
Ryan Nauman Market Strategist Zephyr: go
1:10
Ryan Nauman Market Strategist Zephyr: ahead
1:10
Ryan Nauman Market Strategist Zephyr: and
1:11
Ryan Nauman Market Strategist Zephyr: move
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Ryan Nauman Market Strategist Zephyr: on
1:11
Ryan Nauman Market Strategist Zephyr: to
1:11
Ryan Nauman Market Strategist Zephyr: the
1:11
Ryan Nauman Market Strategist Zephyr: star
1:12
Ryan Nauman Market Strategist Zephyr: of
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Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: show
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Ryan Nauman Market Strategist Zephyr: I
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Ryan Nauman Market Strategist Zephyr: would
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Ryan Nauman Market Strategist Zephyr: like
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Ryan Nauman Market Strategist Zephyr: to
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Ryan Nauman Market Strategist Zephyr: give
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Ryan Nauman Market Strategist Zephyr: a
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Ryan Nauman Market Strategist Zephyr: very
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Ryan Nauman Market Strategist Zephyr: warm
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Ryan Nauman Market Strategist Zephyr: welcome
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Ryan Nauman Market Strategist Zephyr: to
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Ryan Nauman Market Strategist Zephyr: David
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Ryan Nauman Market Strategist Zephyr: Lau
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Ryan Nauman Market Strategist Zephyr: David
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Ryan Nauman Market Strategist Zephyr: is
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Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: founder
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Ryan Nauman Market Strategist Zephyr: of
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Ryan Nauman Market Strategist Zephyr: DPL
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Ryan Nauman Market Strategist Zephyr: Financial
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Ryan Nauman Market Strategist Zephyr: Partners
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Ryan Nauman Market Strategist Zephyr: David
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Ryan Nauman Market Strategist Zephyr: thank
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Ryan Nauman Market Strategist Zephyr: you
1:24
Ryan Nauman Market Strategist Zephyr: so
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Ryan Nauman Market Strategist Zephyr: much
1:24
Ryan Nauman Market Strategist Zephyr: for
1:24
Ryan Nauman Market Strategist Zephyr: coming
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Ryan Nauman Market Strategist Zephyr: on
1:25
Ryan Nauman Market Strategist Zephyr: the
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Ryan Nauman Market Strategist Zephyr: show
1:25
Ryan Nauman Market Strategist Zephyr: It's
1:26
Ryan Nauman Market Strategist Zephyr: an
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Ryan Nauman Market Strategist Zephyr: honor
1:26
Ryan Nauman Market Strategist Zephyr: to
1:26
Ryan Nauman Market Strategist Zephyr: have
1:27
Ryan Nauman Market Strategist Zephyr: you
1:27
Ryan Nauman Market Strategist Zephyr: on
1:27
Ryan Nauman Market Strategist Zephyr: Can
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Ryan Nauman Market Strategist Zephyr: you
1:28
Ryan Nauman Market Strategist Zephyr: please
1:28
Ryan Nauman Market Strategist Zephyr: tell
1:28
Ryan Nauman Market Strategist Zephyr: us
1:28
Ryan Nauman Market Strategist Zephyr: a
1:28
Ryan Nauman Market Strategist Zephyr: little
1:28
Ryan Nauman Market Strategist Zephyr: bit
1:29
Ryan Nauman Market Strategist Zephyr: more
1:29
Ryan Nauman Market Strategist Zephyr: about
1:29
Ryan Nauman Market Strategist Zephyr: yourself
1:30
Ryan Nauman Market Strategist Zephyr: and
1:30
Ryan Nauman Market Strategist Zephyr: DPL
1:31
Ryan Nauman Market Strategist Zephyr: Financial
1:32
Ryan Nauman Market Strategist Zephyr: Partners
1:33
David Lau Founder DPL Financial Partners: Yeah,
1:33
David Lau Founder DPL Financial Partners: happy
1:34
David Lau Founder DPL Financial Partners: to.
1:34
David Lau Founder DPL Financial Partners: Thanks
1:34
David Lau Founder DPL Financial Partners: so
1:35
David Lau Founder DPL Financial Partners: much
1:35
David Lau Founder DPL Financial Partners: for
1:35
David Lau Founder DPL Financial Partners: having
1:35
David Lau Founder DPL Financial Partners: me
1:35
David Lau Founder DPL Financial Partners: on,
1:35
David Lau Founder DPL Financial Partners: Ryan.
1:36
David Lau Founder DPL Financial Partners: Really
1:36
David Lau Founder DPL Financial Partners: look
1:37
David Lau Founder DPL Financial Partners: forward
1:37
David Lau Founder DPL Financial Partners: to
1:37
David Lau Founder DPL Financial Partners: the
1:37
David Lau Founder DPL Financial Partners: conversation.
1:38
David Lau Founder DPL Financial Partners: And
1:38
David Lau Founder DPL Financial Partners: I
1:38
David Lau Founder DPL Financial Partners: hope
1:39
David Lau Founder DPL Financial Partners: we
1:39
David Lau Founder DPL Financial Partners: didn't
1:39
David Lau Founder DPL Financial Partners: lose
1:39
David Lau Founder DPL Financial Partners: too
1:39
David Lau Founder DPL Financial Partners: many
1:39
David Lau Founder DPL Financial Partners: people
1:40
David Lau Founder DPL Financial Partners: when
1:40
David Lau Founder DPL Financial Partners: you
1:40
David Lau Founder DPL Financial Partners: mentioned
1:40
David Lau Founder DPL Financial Partners: we're
1:40
David Lau Founder DPL Financial Partners: gonna
1:41
David Lau Founder DPL Financial Partners: talk
1:41
David Lau Founder DPL Financial Partners: about
1:41
David Lau Founder DPL Financial Partners: annuities.
1:42
David Lau Founder DPL Financial Partners: So
1:43
David Lau Founder DPL Financial Partners: the
1:43
David Lau Founder DPL Financial Partners: we're,
1:44
David Lau Founder DPL Financial Partners: we're
1:44
David Lau Founder DPL Financial Partners: gonna
1:44
David Lau Founder DPL Financial Partners: talk
1:44
David Lau Founder DPL Financial Partners: about
1:44
David Lau Founder DPL Financial Partners: modern
1:45
David Lau Founder DPL Financial Partners: annuities,
1:45
David Lau Founder DPL Financial Partners: to
1:46
David Lau Founder DPL Financial Partners: be
1:46
David Lau Founder DPL Financial Partners: clear,
1:46
David Lau Founder DPL Financial Partners: which
1:46
David Lau Founder DPL Financial Partners: means
1:47
David Lau Founder DPL Financial Partners: low
1:48
David Lau Founder DPL Financial Partners: cost,
1:48
David Lau Founder DPL Financial Partners: commission
1:49
David Lau Founder DPL Financial Partners: free
1:49
David Lau Founder DPL Financial Partners: products,
1:50
David Lau Founder DPL Financial Partners: and,
1:51
David Lau Founder DPL Financial Partners: you
1:51
David Lau Founder DPL Financial Partners: know,
1:51
David Lau Founder DPL Financial Partners: that's
1:51
David Lau Founder DPL Financial Partners: what
1:51
David Lau Founder DPL Financial Partners: DPL
1:52
David Lau Founder DPL Financial Partners: is
1:52
David Lau Founder DPL Financial Partners: all
1:52
David Lau Founder DPL Financial Partners: about.
1:53
David Lau Founder DPL Financial Partners: You
1:53
David Lau Founder DPL Financial Partners: know,
1:53
David Lau Founder DPL Financial Partners: prior
1:54
David Lau Founder DPL Financial Partners: to
1:54
David Lau Founder DPL Financial Partners: founding
1:54
David Lau Founder DPL Financial Partners: DPL,
1:55
David Lau Founder DPL Financial Partners: I've
1:55
David Lau Founder DPL Financial Partners: spent,
1:56
David Lau Founder DPL Financial Partners: you
1:56
David Lau Founder DPL Financial Partners: know,
1:57
David Lau Founder DPL Financial Partners: embarrassingly
1:58
David Lau Founder DPL Financial Partners: enough
1:58
David Lau Founder DPL Financial Partners: at
1:58
David Lau Founder DPL Financial Partners: this
1:58
David Lau Founder DPL Financial Partners: point,
1:59
David Lau Founder DPL Financial Partners: 30
1:59
David Lau Founder DPL Financial Partners: years
1:59
David Lau Founder DPL Financial Partners: in
1:59
David Lau Founder DPL Financial Partners: financial
2:00
David Lau Founder DPL Financial Partners: services
2:01
David Lau Founder DPL Financial Partners: and
2:02
David Lau Founder DPL Financial Partners: really
2:02
David Lau Founder DPL Financial Partners: on,
2:03
David Lau Founder DPL Financial Partners: you
2:03
David Lau Founder DPL Financial Partners: know,
2:03
David Lau Founder DPL Financial Partners: a
2:03
David Lau Founder DPL Financial Partners: manufacturing
2:04
David Lau Founder DPL Financial Partners: side
2:05
David Lau Founder DPL Financial Partners: and
2:05
David Lau Founder DPL Financial Partners: trying
2:06
David Lau Founder DPL Financial Partners: to
2:06
David Lau Founder DPL Financial Partners: drive
2:07
David Lau Founder DPL Financial Partners: costs
2:08
David Lau Founder DPL Financial Partners: out
2:08
David Lau Founder DPL Financial Partners: of
2:08
David Lau Founder DPL Financial Partners: product
2:08
David Lau Founder DPL Financial Partners: delivery
2:09
David Lau Founder DPL Financial Partners: in
2:09
David Lau Founder DPL Financial Partners: order
2:09
David Lau Founder DPL Financial Partners: to
2:09
David Lau Founder DPL Financial Partners: provide
2:10
David Lau Founder DPL Financial Partners: better
2:10
David Lau Founder DPL Financial Partners: consumer
2:11
David Lau Founder DPL Financial Partners: products.
2:11
David Lau Founder DPL Financial Partners: So
2:12
David Lau Founder DPL Financial Partners: I
2:12
David Lau Founder DPL Financial Partners: started
2:12
David Lau Founder DPL Financial Partners: my
2:12
David Lau Founder DPL Financial Partners: career
2:13
David Lau Founder DPL Financial Partners: at,
2:13
David Lau Founder DPL Financial Partners: at
2:14
David Lau Founder DPL Financial Partners: a
2:14
David Lau Founder DPL Financial Partners: place
2:14
David Lau Founder DPL Financial Partners: called
2:14
David Lau Founder DPL Financial Partners: Telebank.
2:15
David Lau Founder DPL Financial Partners: It
2:15
David Lau Founder DPL Financial Partners: was
2:15
David Lau Founder DPL Financial Partners: the
2:15
David Lau Founder DPL Financial Partners: first
2:16
David Lau Founder DPL Financial Partners: internet
2:16
David Lau Founder DPL Financial Partners: bank
2:16
David Lau Founder DPL Financial Partners: in
2:16
David Lau Founder DPL Financial Partners: the
2:17
David Lau Founder DPL Financial Partners: country,
2:17
David Lau Founder DPL Financial Partners: and
2:18
David Lau Founder DPL Financial Partners: the
2:18
David Lau Founder DPL Financial Partners: notion
2:18
David Lau Founder DPL Financial Partners: there
2:19
David Lau Founder DPL Financial Partners: was
2:19
David Lau Founder DPL Financial Partners: if
2:19
David Lau Founder DPL Financial Partners: we
2:19
David Lau Founder DPL Financial Partners: could
2:19
David Lau Founder DPL Financial Partners: eliminate
2:20
David Lau Founder DPL Financial Partners: the
2:20
David Lau Founder DPL Financial Partners: branch,
2:20
David Lau Founder DPL Financial Partners: we
2:20
David Lau Founder DPL Financial Partners: can
2:21
David Lau Founder DPL Financial Partners: provide,
2:22
David Lau Founder DPL Financial Partners: eliminate
2:22
David Lau Founder DPL Financial Partners: a
2:22
David Lau Founder DPL Financial Partners: lot
2:22
David Lau Founder DPL Financial Partners: of
2:22
David Lau Founder DPL Financial Partners: overhead,
2:23
David Lau Founder DPL Financial Partners: and
2:23
David Lau Founder DPL Financial Partners: provide
2:23
David Lau Founder DPL Financial Partners: much
2:23
David Lau Founder DPL Financial Partners: better
2:24
David Lau Founder DPL Financial Partners: products
2:24
David Lau Founder DPL Financial Partners: to
2:24
David Lau Founder DPL Financial Partners: the
2:24
David Lau Founder DPL Financial Partners: end
2:25
David Lau Founder DPL Financial Partners: client.
2:26
David Lau Founder DPL Financial Partners: I
2:26
David Lau Founder DPL Financial Partners: was
2:26
David Lau Founder DPL Financial Partners: then
2:27
David Lau Founder DPL Financial Partners: at
2:27
David Lau Founder DPL Financial Partners: E-Trade
2:27
David Lau Founder DPL Financial Partners: where
2:28
David Lau Founder DPL Financial Partners: we
2:28
David Lau Founder DPL Financial Partners: were,
2:28
David Lau Founder DPL Financial Partners: you
2:28
David Lau Founder DPL Financial Partners: know,
2:28
David Lau Founder DPL Financial Partners: where
2:29
David Lau Founder DPL Financial Partners: our
2:29
David Lau Founder DPL Financial Partners: CMO
2:29
David Lau Founder DPL Financial Partners: there
2:30
David Lau Founder DPL Financial Partners: and
2:30
David Lau Founder DPL Financial Partners: we
2:30
David Lau Founder DPL Financial Partners: were
2:30
David Lau Founder DPL Financial Partners: taking
2:31
David Lau Founder DPL Financial Partners: costs
2:31
David Lau Founder DPL Financial Partners: out
2:32
David Lau Founder DPL Financial Partners: of
2:32
David Lau Founder DPL Financial Partners: the,
2:32
David Lau Founder DPL Financial Partners: you
2:32
David Lau Founder DPL Financial Partners: know,
2:32
David Lau Founder DPL Financial Partners: out
2:32
David Lau Founder DPL Financial Partners: of
2:32
David Lau Founder DPL Financial Partners: trading
2:33
David Lau Founder DPL Financial Partners: and
2:33
David Lau Founder DPL Financial Partners: executing
2:34
David Lau Founder DPL Financial Partners: and
2:34
David Lau Founder DPL Financial Partners: driving,
2:35
David Lau Founder DPL Financial Partners: again,
2:35
David Lau Founder DPL Financial Partners: consumer
2:36
David Lau Founder DPL Financial Partners: value.
2:36
David Lau Founder DPL Financial Partners: And
2:36
David Lau Founder DPL Financial Partners: then
2:37
David Lau Founder DPL Financial Partners: prior
2:37
David Lau Founder DPL Financial Partners: to
2:37
David Lau Founder DPL Financial Partners: DPL,
2:38
David Lau Founder DPL Financial Partners: I
2:38
David Lau Founder DPL Financial Partners: built
2:39
David Lau Founder DPL Financial Partners: an
2:39
David Lau Founder DPL Financial Partners: insurance
2:39
David Lau Founder DPL Financial Partners: carrier
2:39
David Lau Founder DPL Financial Partners: called
2:40
David Lau Founder DPL Financial Partners: Jefferson
2:40
David Lau Founder DPL Financial Partners: National,
2:41
David Lau Founder DPL Financial Partners: which
2:41
David Lau Founder DPL Financial Partners: was
2:41
David Lau Founder DPL Financial Partners: focused
2:42
David Lau Founder DPL Financial Partners: on,
2:43
David Lau Founder DPL Financial Partners: you
2:43
David Lau Founder DPL Financial Partners: know,
2:43
David Lau Founder DPL Financial Partners: the
2:43
David Lau Founder DPL Financial Partners: RIA
2:44
David Lau Founder DPL Financial Partners: and.
2:44
David Lau Founder DPL Financial Partners: And,
2:45
David Lau Founder DPL Financial Partners: you
2:45
David Lau Founder DPL Financial Partners: know,
2:45
David Lau Founder DPL Financial Partners: fee-based
2:45
David Lau Founder DPL Financial Partners: advisor
2:46
David Lau Founder DPL Financial Partners: market.
2:47
David Lau Founder DPL Financial Partners: And
2:47
David Lau Founder DPL Financial Partners: the
2:47
David Lau Founder DPL Financial Partners: notion
2:47
David Lau Founder DPL Financial Partners: in
2:47
David Lau Founder DPL Financial Partners: insurance
2:48
David Lau Founder DPL Financial Partners: is
2:48
David Lau Founder DPL Financial Partners: of
2:49
David Lau Founder DPL Financial Partners: course
2:49
David Lau Founder DPL Financial Partners: the
2:49
David Lau Founder DPL Financial Partners: big
2:49
David Lau Founder DPL Financial Partners: inefficiency
2:50
David Lau Founder DPL Financial Partners: for
2:50
David Lau Founder DPL Financial Partners: the
2:50
David Lau Founder DPL Financial Partners: end
2:51
David Lau Founder DPL Financial Partners: consumer
2:51
David Lau Founder DPL Financial Partners: is
2:52
David Lau Founder DPL Financial Partners: the
2:52
David Lau Founder DPL Financial Partners: commission.
2:53
David Lau Founder DPL Financial Partners: Commission
2:53
David Lau Founder DPL Financial Partners: drives
2:53
David Lau Founder DPL Financial Partners: up
2:54
David Lau Founder DPL Financial Partners: price,
2:54
David Lau Founder DPL Financial Partners: it
2:54
David Lau Founder DPL Financial Partners: drives
2:55
David Lau Founder DPL Financial Partners: up
2:55
David Lau Founder DPL Financial Partners: complexity.
2:56
David Lau Founder DPL Financial Partners: And
2:56
David Lau Founder DPL Financial Partners: importantly
2:57
David Lau Founder DPL Financial Partners: today
2:57
David Lau Founder DPL Financial Partners: for
2:57
David Lau Founder DPL Financial Partners: financial
2:58
David Lau Founder DPL Financial Partners: advisors,
2:59
David Lau Founder DPL Financial Partners: it
2:59
David Lau Founder DPL Financial Partners: doesn't
2:59
David Lau Founder DPL Financial Partners: really
3:00
David Lau Founder DPL Financial Partners: match
3:00
David Lau Founder DPL Financial Partners: their
3:00
David Lau Founder DPL Financial Partners: business
3:01
David Lau Founder DPL Financial Partners: model.
3:02
David Lau Founder DPL Financial Partners: You
3:02
David Lau Founder DPL Financial Partners: know,
3:02
David Lau Founder DPL Financial Partners: annuities
3:03
David Lau Founder DPL Financial Partners: and
3:03
David Lau Founder DPL Financial Partners: insurance
3:04
David Lau Founder DPL Financial Partners: are
3:04
David Lau Founder DPL Financial Partners: one
3:04
David Lau Founder DPL Financial Partners: of
3:04
David Lau Founder DPL Financial Partners: the
3:04
David Lau Founder DPL Financial Partners: last
3:05
David Lau Founder DPL Financial Partners: bastions
3:06
David Lau Founder DPL Financial Partners: of
3:06
David Lau Founder DPL Financial Partners: commissioned
3:07
David Lau Founder DPL Financial Partners: products.
3:08
David Lau Founder DPL Financial Partners: You
3:08
David Lau Founder DPL Financial Partners: know,
3:08
David Lau Founder DPL Financial Partners: in
3:09
David Lau Founder DPL Financial Partners: financial
3:09
David Lau Founder DPL Financial Partners: services.
3:10
David Lau Founder DPL Financial Partners: Most
3:10
David Lau Founder DPL Financial Partners: of
3:10
David Lau Founder DPL Financial Partners: financial
3:11
David Lau Founder DPL Financial Partners: services
3:12
David Lau Founder DPL Financial Partners: has
3:12
David Lau Founder DPL Financial Partners: bifurcated.
3:13
David Lau Founder DPL Financial Partners: Advisor
3:14
David Lau Founder DPL Financial Partners: compensation
3:15
David Lau Founder DPL Financial Partners: and
3:15
David Lau Founder DPL Financial Partners: product
3:15
David Lau Founder DPL Financial Partners: cost,
3:16
David Lau Founder DPL Financial Partners: meaning
3:17
David Lau Founder DPL Financial Partners: advisors
3:17
David Lau Founder DPL Financial Partners: are
3:17
David Lau Founder DPL Financial Partners: getting
3:18
David Lau Founder DPL Financial Partners: paid,
3:18
David Lau Founder DPL Financial Partners: you
3:18
David Lau Founder DPL Financial Partners: know,
3:18
David Lau Founder DPL Financial Partners: by
3:19
David Lau Founder DPL Financial Partners: their
3:19
David Lau Founder DPL Financial Partners: clients
3:19
David Lau Founder DPL Financial Partners: for
3:20
David Lau Founder DPL Financial Partners: advice
3:20
David Lau Founder DPL Financial Partners: rather
3:21
David Lau Founder DPL Financial Partners: than
3:21
David Lau Founder DPL Financial Partners: by
3:21
David Lau Founder DPL Financial Partners: product
3:22
David Lau Founder DPL Financial Partners: companies
3:22
David Lau Founder DPL Financial Partners: for
3:22
David Lau Founder DPL Financial Partners: sales.
3:23
David Lau Founder DPL Financial Partners: And
3:24
David Lau Founder DPL Financial Partners: so
3:24
David Lau Founder DPL Financial Partners: DPL,
3:25
David Lau Founder DPL Financial Partners: we
3:25
David Lau Founder DPL Financial Partners: work
3:25
David Lau Founder DPL Financial Partners: with
3:25
David Lau Founder DPL Financial Partners: carriers
3:26
David Lau Founder DPL Financial Partners: across
3:26
David Lau Founder DPL Financial Partners: the
3:26
David Lau Founder DPL Financial Partners: industry
3:27
David Lau Founder DPL Financial Partners: to
3:27
David Lau Founder DPL Financial Partners: bring
3:27
David Lau Founder DPL Financial Partners: commission
3:28
David Lau Founder DPL Financial Partners: free
3:28
David Lau Founder DPL Financial Partners: products
3:29
David Lau Founder DPL Financial Partners: to
3:29
David Lau Founder DPL Financial Partners: market.
3:30
David Lau Founder DPL Financial Partners: We
3:30
David Lau Founder DPL Financial Partners: build
3:30
David Lau Founder DPL Financial Partners: tremendous
3:31
David Lau Founder DPL Financial Partners: technology
3:32
David Lau Founder DPL Financial Partners: that
3:32
David Lau Founder DPL Financial Partners: allows
3:32
David Lau Founder DPL Financial Partners: advisors
3:33
David Lau Founder DPL Financial Partners: to
3:33
David Lau Founder DPL Financial Partners: find
3:34
David Lau Founder DPL Financial Partners: the
3:34
David Lau Founder DPL Financial Partners: most
3:34
David Lau Founder DPL Financial Partners: efficient
3:35
David Lau Founder DPL Financial Partners: products
3:35
David Lau Founder DPL Financial Partners: for
3:35
David Lau Founder DPL Financial Partners: their
3:35
David Lau Founder DPL Financial Partners: clients
3:36
David Lau Founder DPL Financial Partners: and
3:37
David Lau Founder DPL Financial Partners: we're
3:37
David Lau Founder DPL Financial Partners: trying
3:37
David Lau Founder DPL Financial Partners: to
3:38
David Lau Founder DPL Financial Partners: really
3:38
David Lau Founder DPL Financial Partners: drive
3:39
David Lau Founder DPL Financial Partners: the
3:39
David Lau Founder DPL Financial Partners: modernization
3:40
David Lau Founder DPL Financial Partners: of
3:40
David Lau Founder DPL Financial Partners: annuities,
3:41
David Lau Founder DPL Financial Partners: both
3:41
David Lau Founder DPL Financial Partners: in
3:41
David Lau Founder DPL Financial Partners: pricing
3:42
David Lau Founder DPL Financial Partners: and
3:42
David Lau Founder DPL Financial Partners: usage.
3:44
Ryan: David
3:44
Ryan: that's
3:45
Ryan: fantastic
3:46
Ryan: and
3:46
Ryan: thank
3:46
Ryan: you
3:46
Ryan: for
3:46
Ryan: that
3:47
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3:47
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3:47
Ryan: you're
3:48
Ryan: exactly
3:49
Ryan: right
3:49
Ryan: and
3:49
Ryan: when
3:50
Ryan: I
3:50
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3:50
Ryan: 20
3:51
Ryan: years
3:51
Ryan: ago
3:52
Ryan: I
3:52
Ryan: worked
3:52
Ryan: for
3:53
Ryan: financial
3:53
Ryan: planning
3:53
Ryan: practice
3:54
Ryan: and
3:54
Ryan: we
3:54
Ryan: did
3:55
Ryan: a
3:55
Ryan: fair
3:55
Ryan: amount
3:55
Ryan: of
3:56
Ryan: annuity
3:56
Ryan: business
3:57
Ryan: and
3:58
Ryan: like
3:58
Ryan: our
3:59
Ryan: clients
3:59
Ryan: who
4:00
Ryan: had
4:00
Ryan: annuities
4:00
Ryan: they
4:01
Ryan: loved
4:01
Ryan: them
4:01
Ryan: who
4:01
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4:02
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4:02
Ryan: just
4:02
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4:03
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4:03
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4:03
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4:04
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4:04
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4:05
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4:05
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4:05
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4:05
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4:05
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4:05
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4:06
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4:06
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4:07
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4:07
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4:07
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4:08
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4:09
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4:09
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4:11
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4:11
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4:11
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4:11
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4:12
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4:12
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4:12
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4:13
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4:14
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4:14
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4:14
David Lau: that's
4:15
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4:15
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4:15
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4:15
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4:16
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4:16
Ryan: at
4:16
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4:16
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4:17
Ryan: like
4:18
Ryan: when
4:19
Ryan: I
4:19
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4:19
Ryan: annuities
4:20
Ryan: everyone
4:21
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4:21
Ryan: the
4:21
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4:22
Ryan: Why
4:22
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4:22
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4:23
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4:23
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4:23
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4:23
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4:23
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4:24
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4:24
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4:24
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4:24
Ryan: of
4:24
Ryan: misconception
4:25
Ryan: or
4:26
Ryan: just
4:26
Ryan: thought
4:27
Ryan: process
4:27
Ryan: of
4:27
Ryan: annuities
4:28
Ryan: Oh
4:28
Ryan: my
4:29
Ryan: gosh
4:29
Ryan: We
4:29
Ryan: don't
4:29
Ryan: want
4:29
Ryan: to
4:29
Ryan: hear
4:29
Ryan: about
4:30
Ryan: annuities
4:31
Ryan: Drop
4:32
David Lau: It's,
4:32
David Lau: it's,
4:32
David Lau: it's
4:33
David Lau: really
4:33
David Lau: maybe
4:33
David Lau: the
4:34
David Lau: most
4:34
David Lau: polarizing
4:35
David Lau: product
4:35
David Lau: in
4:35
David Lau: financial
4:36
David Lau: services.
4:37
David Lau: You
4:37
David Lau: know,
4:37
David Lau: like
4:37
David Lau: people
4:38
David Lau: have
4:38
David Lau: immediate.
4:39
David Lau: Kind
4:40
David Lau: of
4:40
David Lau: emotional
4:41
David Lau: reactions
4:41
David Lau: to
4:42
David Lau: annuities,
4:42
David Lau: right.
4:42
David Lau: The,
4:43
David Lau: you
4:43
David Lau: know,
4:43
David Lau: the
4:43
David Lau: traditional
4:44
David Lau: fee
4:44
David Lau: only
4:44
David Lau: advisors.
4:45
David Lau: Like,
4:45
David Lau: I
4:45
David Lau: would
4:45
David Lau: never
4:46
David Lau: touch
4:46
David Lau: an
4:46
David Lau: annuity.
4:47
David Lau: I
4:47
David Lau: would
4:47
David Lau: never
4:47
David Lau: recommend
4:48
David Lau: an
4:48
David Lau: annuity.
4:48
David Lau: And,
4:49
David Lau: and
4:49
David Lau: I
4:49
David Lau: think
4:49
David Lau: it's
4:49
David Lau: really
4:50
David Lau: because
4:50
David Lau: of
4:50
David Lau: the
4:50
David Lau: commission,
4:51
David Lau: you
4:51
David Lau: know,
4:52
David Lau: and
4:52
David Lau: that's
4:52
David Lau: really
4:53
David Lau: became
4:53
David Lau: a
4:53
David Lau: dividing
4:54
David Lau: line.
4:54
David Lau: You
4:55
David Lau: know,
4:55
David Lau: back
4:55
David Lau: in
4:55
David Lau: the
4:55
David Lau: day,
4:56
David Lau: you
4:56
David Lau: know,
4:56
David Lau: a
4:57
David Lau: couple
4:57
David Lau: of
4:57
David Lau: decades
4:57
David Lau: ago,
4:58
David Lau: commissions
4:59
David Lau: weren't
4:59
David Lau: as
4:59
David Lau: divisive.
5:00
David Lau: You
5:00
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5:00
David Lau: commissions
5:01
David Lau: were,
5:01
David Lau: you
5:01
David Lau: know,
5:02
David Lau: the
5:02
David Lau: way
5:02
David Lau: a
5:02
David Lau: lot
5:03
David Lau: of
5:03
David Lau: financial
5:03
David Lau: advisors
5:04
David Lau: grew
5:04
David Lau: up.
5:05
David Lau: Selling
5:05
David Lau: iShares,
5:06
David Lau: you
5:06
David Lau: know,
5:06
David Lau: use
5:07
David Lau: using
5:07
David Lau: commission
5:08
David Lau: annuities.
5:08
David Lau: It's
5:08
David Lau: kind
5:09
David Lau: of
5:09
David Lau: the
5:09
David Lau: way
5:09
David Lau: the
5:09
David Lau: business
5:10
David Lau: has
5:10
David Lau: evolved,
5:11
David Lau: but
5:11
David Lau: now
5:12
David Lau: it
5:12
David Lau: has
5:12
David Lau: been
5:13
David Lau: really,
5:14
David Lau: you
5:14
David Lau: know,
5:14
David Lau: such
5:14
David Lau: a
5:14
David Lau: long
5:15
David Lau: time
5:15
David Lau: that
5:15
David Lau: we,
5:15
David Lau: we've
5:15
David Lau: started
5:16
David Lau: seeing
5:16
David Lau: in
5:16
David Lau: asset
5:17
David Lau: management
5:18
David Lau: almost
5:18
David Lau: nobody
5:18
David Lau: uses
5:18
David Lau: iShares
5:19
David Lau: anymore,
5:20
David Lau: right?
5:20
David Lau: That
5:20
David Lau: that
5:20
David Lau: evolution
5:21
David Lau: has
5:21
David Lau: already
5:22
David Lau: happened,
5:23
David Lau: and
5:23
David Lau: in
5:23
David Lau: insurance
5:24
David Lau: it's
5:24
David Lau: simply.
5:25
David Lau: And
5:26
David Lau: from
5:26
David Lau: my
5:27
David Lau: vantage
5:27
David Lau: point
5:28
David Lau: was
5:28
David Lau: the
5:28
David Lau: reason
5:29
David Lau: it
5:29
David Lau: hasn't
5:29
David Lau: were
5:30
David Lau: two
5:30
David Lau: structural
5:31
David Lau: reasons
5:31
David Lau: 'cause
5:32
David Lau: all
5:32
David Lau: of
5:32
David Lau: the
5:32
David Lau: same
5:33
David Lau: arguments
5:33
David Lau: you'd
5:33
David Lau: make
5:34
David Lau: for
5:34
David Lau: why
5:34
David Lau: you
5:34
David Lau: did,
5:35
David Lau: you
5:35
David Lau: know,
5:35
David Lau: why
5:35
David Lau: advisors
5:36
David Lau: migrated
5:36
David Lau: on
5:36
David Lau: the
5:37
David Lau: financial
5:37
David Lau: services
5:38
David Lau: side
5:38
David Lau: on
5:38
David Lau: the
5:38
David Lau: portfolio
5:39
David Lau: side,
5:40
David Lau: you
5:40
David Lau: know,
5:40
David Lau: lower
5:41
David Lau: cost
5:41
David Lau: products.
5:42
David Lau: Aligns
5:43
David Lau: with
5:43
David Lau: clients'
5:43
David Lau: interests,
5:44
David Lau: you
5:44
David Lau: know,
5:44
David Lau: and
5:45
David Lau: is
5:45
David Lau: ultimately
5:46
David Lau: a
5:46
David Lau: better
5:46
David Lau: revenue
5:47
David Lau: model
5:47
David Lau: for
5:47
David Lau: both
5:47
David Lau: the
5:47
David Lau: advisor
5:48
David Lau: and
5:48
David Lau: the
5:48
David Lau: firm
5:49
David Lau: while
5:49
David Lau: their
5:49
David Lau: clients
5:50
David Lau: are
5:50
David Lau: getting
5:50
David Lau: a
5:50
David Lau: better
5:50
David Lau: service
5:51
David Lau: model.
5:52
David Lau: You,
5:52
David Lau: you
5:52
David Lau: can
5:52
David Lau: say
5:52
David Lau: the
5:53
David Lau: same
5:53
David Lau: thing,
5:53
David Lau: like
5:53
David Lau: into
5:54
David Lau: an
5:54
David Lau: annuities.
5:55
David Lau: That
5:55
David Lau: hasn't
5:56
David Lau: happened
5:56
David Lau: because
5:57
David Lau: one,
5:58
David Lau: the
5:58
David Lau: products
5:58
David Lau: didn't
5:58
David Lau: exist.
5:59
David Lau: They
5:59
David Lau: were
5:59
David Lau: all
6:00
David Lau: commissioned
6:00
David Lau: products,
6:01
David Lau: so
6:01
David Lau: we
6:01
David Lau: knew
6:01
David Lau: in
6:01
David Lau: going
6:01
David Lau: to
6:02
David Lau: market
6:02
David Lau: we
6:02
David Lau: needed
6:03
David Lau: to
6:03
David Lau: help
6:03
David Lau: drive
6:04
David Lau: creation
6:04
David Lau: of
6:04
David Lau: product,
6:05
David Lau: of
6:05
David Lau: which
6:05
David Lau: we've
6:05
David Lau: done,
6:06
David Lau: you
6:06
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6:06
David Lau: a
6:06
David Lau: tremendous
6:07
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6:07
David Lau: You
6:07
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6:07
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6:08
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6:08
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6:08
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6:08
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6:08
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6:09
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6:09
David Lau: market
6:09
David Lau: now
6:10
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6:10
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6:10
David Lau: commission
6:10
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6:11
David Lau: And
6:12
David Lau: then
6:12
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6:13
David Lau: it
6:13
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6:13
David Lau: to
6:13
David Lau: work
6:13
David Lau: within
6:14
David Lau: the
6:14
David Lau: advisor's
6:14
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6:15
David Lau: right?
6:16
David Lau: So,
6:16
David Lau: you
6:16
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6:17
David Lau: it
6:17
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6:17
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6:17
David Lau: the
6:18
David Lau: standalone
6:19
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6:19
David Lau: away
6:19
David Lau: product
6:20
David Lau: that
6:20
David Lau: just,
6:20
David Lau: you
6:20
David Lau: know,
6:20
David Lau: you
6:21
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6:21
David Lau: an
6:21
David Lau: account
6:21
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6:22
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6:22
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6:22
David Lau: And
6:23
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6:23
David Lau: we
6:23
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6:24
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6:24
David Lau: technology
6:25
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6:25
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6:25
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6:26
David Lau: the
6:26
David Lau: advisor's
6:26
David Lau: desktop.
6:27
David Lau: So
6:27
David Lau: we
6:28
David Lau: try
6:28
David Lau: to
6:28
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6:29
David Lau: those
6:29
David Lau: barriers
6:30
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6:30
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6:31
David Lau: you
6:31
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6:31
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6:31
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6:32
David Lau: the
6:32
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6:32
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6:33
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6:33
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6:33
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6:34
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6:35
David Lau: You
6:35
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6:35
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6:35
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6:36
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6:36
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6:36
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6:36
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6:37
David Lau: you
6:37
David Lau: know,
6:37
David Lau: annuities
6:38
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6:38
David Lau: a
6:38
David Lau: commission
6:38
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6:39
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6:39
David Lau: just
6:39
David Lau: the
6:40
David Lau: way
6:40
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6:40
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6:41
David Lau: you
6:41
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6:41
David Lau: other
6:41
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6:42
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6:42
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6:42
David Lau: using
6:43
David Lau: for
6:43
David Lau: clients.
6:45
Ryan: That's
6:45
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6:45
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6:46
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6:46
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6:46
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6:46
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6:47
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6:47
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6:47
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6:47
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6:47
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6:48
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6:48
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6:49
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6:50
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6:50
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6:51
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6:51
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6:52
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6:52
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6:52
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6:53
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6:53
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6:54
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6:54
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6:55
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6:56
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6:56
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6:57
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6:57
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6:57
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6:58
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6:58
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6:58
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6:59
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6:59
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6:59
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7:00
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7:00
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7:00
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7:01
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7:02
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7:03
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7:03
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7:05
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7:06
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7:06
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7:08
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7:09
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7:09
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7:11
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7:11
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7:12
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7:12
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7:13
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7:13
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7:14
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7:14
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7:15
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7:15
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7:16
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7:16
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7:16
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7:16
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7:16
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7:17
David Lau: Yeah,
7:17
David Lau: so
7:18
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7:19
David Lau: they've
7:19
David Lau: been
7:20
David Lau: around
7:20
David Lau: for
7:20
David Lau: a
7:20
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7:21
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7:21
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7:21
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7:22
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7:23
David Lau: years.
7:23
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7:23
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7:23
David Lau: we,
7:24
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7:24
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7:24
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7:25
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7:25
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7:25
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7:25
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7:26
David Lau: we
7:26
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7:27
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7:27
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7:28
David Lau: you
7:28
David Lau: know,
7:28
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7:29
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7:29
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7:29
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7:29
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7:31
David Lau: Or
7:31
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7:32
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7:32
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7:33
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7:33
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7:34
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7:34
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7:35
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7:35
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7:35
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7:35
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7:36
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7:36
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7:36
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7:37
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7:37
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7:37
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7:38
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7:38
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7:39
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7:39
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7:39
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7:40
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7:40
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7:41
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7:41
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7:41
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7:41
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7:42
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7:43
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7:43
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7:44
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7:44
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7:44
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7:44
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7:44
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7:45
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7:45
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7:45
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7:46
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7:47
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7:48
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7:49
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7:49
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7:50
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7:50
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7:51
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7:51
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7:52
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7:53
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7:53
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7:53
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7:53
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7:54
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7:55
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7:55
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7:56
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7:56
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7:56
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8:03
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8:05
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8:07
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8:09
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8:10
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8:11
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8:12
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8:12
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8:13
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8:13
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8:14
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8:15
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8:15
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8:15
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8:16
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8:16
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8:16
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8:16
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8:17
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8:18
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8:18
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8:18
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8:18
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8:18
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8:19
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8:19
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8:19
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8:20
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8:20
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8:20
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8:20
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8:20
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8:21
David Lau: into
8:21
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8:21
David Lau: And
8:22
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8:23
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8:23
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8:23
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8:23
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8:24
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8:24
David Lau: old
8:24
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8:25
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8:25
David Lau: like
8:25
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8:26
David Lau: National,
8:26
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8:27
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8:27
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8:28
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8:29
David Lau: you
8:29
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8:29
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8:29
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8:30
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8:30
David Lau: low
8:30
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8:31
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8:32
David Lau: We
8:32
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8:32
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8:32
David Lau: the
8:32
David Lau: same
8:33
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8:33
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8:34
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8:34
David Lau: all
8:34
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8:34
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8:35
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8:35
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8:36
David Lau: You
8:36
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8:36
David Lau: variable
8:36
David Lau: annuities
8:37
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8:37
David Lau: income
8:37
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8:38
David Lau: fixed
8:38
David Lau: indexed
8:39
David Lau: annuities,
8:40
David Lau: SPIs
8:41
David Lau: dias,
8:41
David Lau: registered
8:42
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8:42
David Lau: linked
8:43
David Lau: annuities,
8:43
David Lau: all
8:43
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8:43
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8:44
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8:44
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8:44
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8:45
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8:46
David Lau: We've
8:46
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8:46
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8:46
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8:47
David Lau: different
8:47
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8:47
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8:48
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8:49
David Lau: and
8:49
David Lau: it's,
8:49
David Lau: it's,
8:50
David Lau: I
8:50
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8:50
David Lau: to
8:50
David Lau: me
8:50
David Lau: it's
8:51
David Lau: really
8:51
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8:51
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8:52
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8:52
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8:52
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8:52
David Lau: important
8:53
David Lau: mission
8:53
David Lau: to
8:53
David Lau: help
8:54
David Lau: drive
8:54
David Lau: this
8:54
David Lau: because
8:55
David Lau: like,
8:56
David Lau: like
8:56
David Lau: you
8:56
David Lau: said,
8:56
David Lau: you
8:57
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8:57
David Lau: to
8:57
David Lau: use
8:57
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8:58
David Lau: you
8:58
David Lau: know,
8:58
David Lau: quite
8:58
David Lau: a
8:58
David Lau: lot
8:59
David Lau: in
8:59
David Lau: practice
8:59
David Lau: 'cause
8:59
David Lau: people
9:00
David Lau: love
9:00
David Lau: them.
9:01
David Lau Founder DPL Financial Partners: Right,
9:01
David Lau Founder DPL Financial Partners: because
9:02
David Lau Founder DPL Financial Partners: the
9:02
David Lau Founder DPL Financial Partners: people
9:03
David Lau Founder DPL Financial Partners: love
9:03
David Lau Founder DPL Financial Partners: the
9:03
David Lau Founder DPL Financial Partners: benefits
9:04
David Lau Founder DPL Financial Partners: of
9:04
David Lau Founder DPL Financial Partners: them,
9:04
David Lau Founder DPL Financial Partners: you
9:05
David Lau Founder DPL Financial Partners: know,
9:05
David Lau Founder DPL Financial Partners: of
9:05
David Lau Founder DPL Financial Partners: the
9:05
David Lau Founder DPL Financial Partners: guaranteed
9:06
David Lau Founder DPL Financial Partners: income,
9:06
David Lau Founder DPL Financial Partners: the
9:06
David Lau Founder DPL Financial Partners: peace
9:07
David Lau Founder DPL Financial Partners: of
9:07
David Lau Founder DPL Financial Partners: mind
9:07
David Lau Founder DPL Financial Partners: that
9:07
David Lau Founder DPL Financial Partners: comes
9:08
David Lau Founder DPL Financial Partners: with
9:08
David Lau Founder DPL Financial Partners: that.
9:09
David Lau Founder DPL Financial Partners: You
9:09
David Lau Founder DPL Financial Partners: know,
9:09
David Lau Founder DPL Financial Partners: the
9:09
David Lau Founder DPL Financial Partners: ability
9:09
David Lau Founder DPL Financial Partners: to
9:10
David Lau Founder DPL Financial Partners: spend
9:10
David Lau Founder DPL Financial Partners: more
9:10
David Lau Founder DPL Financial Partners: in
9:11
David Lau Founder DPL Financial Partners: retirement
9:11
David Lau Founder DPL Financial Partners: because
9:12
David Lau Founder DPL Financial Partners: you
9:12
David Lau Founder DPL Financial Partners: feel
9:12
David Lau Founder DPL Financial Partners: comfortable,
9:13
David Lau Founder DPL Financial Partners: you
9:13
David Lau Founder DPL Financial Partners: know,
9:13
David Lau Founder DPL Financial Partners: knowing
9:14
David Lau Founder DPL Financial Partners: you're
9:14
David Lau Founder DPL Financial Partners: gonna
9:14
David Lau Founder DPL Financial Partners: have
9:14
David Lau Founder DPL Financial Partners: a
9:14
David Lau Founder DPL Financial Partners: lifetime
9:15
David Lau Founder DPL Financial Partners: of
9:15
David Lau Founder DPL Financial Partners: income.
9:16
David Lau Founder DPL Financial Partners: They're
9:16
David Lau Founder DPL Financial Partners: really
9:16
David Lau Founder DPL Financial Partners: important
9:17
David Lau Founder DPL Financial Partners: products,
9:17
David Lau Founder DPL Financial Partners: but
9:18
David Lau Founder DPL Financial Partners: they've
9:18
David Lau Founder DPL Financial Partners: become
9:18
David Lau Founder DPL Financial Partners: divisive
9:19
David Lau Founder DPL Financial Partners: and
9:19
David Lau Founder DPL Financial Partners: I
9:19
David Lau Founder DPL Financial Partners: think,
9:19
David Lau Founder DPL Financial Partners: you
9:19
David Lau Founder DPL Financial Partners: know,
9:20
David Lau Founder DPL Financial Partners: largely
9:20
David Lau Founder DPL Financial Partners: because
9:20
David Lau Founder DPL Financial Partners: of
9:21
David Lau Founder DPL Financial Partners: the
9:21
David Lau Founder DPL Financial Partners: commission.
9:21
David Lau Founder DPL Financial Partners: And
9:22
David Lau Founder DPL Financial Partners: so
9:22
David Lau Founder DPL Financial Partners: this
9:23
David Lau Founder DPL Financial Partners: now
9:23
David Lau Founder DPL Financial Partners: removes.
9:24
David Lau Founder DPL Financial Partners: Any
9:25
David Lau Founder DPL Financial Partners: barriers
9:26
David Lau Founder DPL Financial Partners: and
9:26
David Lau Founder DPL Financial Partners: any
9:27
David Lau Founder DPL Financial Partners: of
9:27
David Lau Founder DPL Financial Partners: the
9:27
David Lau Founder DPL Financial Partners: controversy
9:28
David Lau Founder DPL Financial Partners: from
9:28
David Lau Founder DPL Financial Partners: annuities.
9:28
David Lau Founder DPL Financial Partners: Now
9:29
David Lau Founder DPL Financial Partners: they're
9:29
David Lau Founder DPL Financial Partners: just
9:29
David Lau Founder DPL Financial Partners: low
9:29
David Lau Founder DPL Financial Partners: cost
9:30
David Lau Founder DPL Financial Partners: tools
9:31
David Lau Founder DPL Financial Partners: available
9:31
David Lau Founder DPL Financial Partners: for
9:31
David Lau Founder DPL Financial Partners: use.
9:32
David Lau Founder DPL Financial Partners: They're
9:32
David Lau Founder DPL Financial Partners: great
9:32
David Lau Founder DPL Financial Partners: product
9:33
David Lau Founder DPL Financial Partners: structures,
9:34
David Lau Founder DPL Financial Partners: you
9:34
David Lau Founder DPL Financial Partners: know,
9:34
David Lau Founder DPL Financial Partners: that
9:34
David Lau Founder DPL Financial Partners: can
9:34
David Lau Founder DPL Financial Partners: be
9:34
David Lau Founder DPL Financial Partners: used
9:35
David Lau Founder DPL Financial Partners: by
9:35
David Lau Founder DPL Financial Partners: any
9:35
David Lau Founder DPL Financial Partners: advisor.
9:36
David Lau: Whether
9:36
David Lau: you
9:36
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9:37
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9:37
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9:37
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9:37
David Lau: a
9:37
David Lau: commission
9:38
David Lau: model
9:38
David Lau: or
9:38
David Lau: you
9:38
David Lau: want
9:38
David Lau: to
9:38
David Lau: be
9:39
David Lau: a,
9:39
David Lau: a
9:39
David Lau: fee-based
9:40
David Lau: or
9:40
David Lau: fee
9:40
David Lau: only
9:40
David Lau: advisor,
9:41
David Lau: you
9:41
David Lau: can
9:41
David Lau: use,
9:42
David Lau: you
9:42
David Lau: know,
9:42
David Lau: annuity
9:43
David Lau: products
9:43
David Lau: in
9:43
David Lau: a
9:43
David Lau: way
9:43
David Lau: that
9:44
David Lau: fits
9:45
David Lau: within
9:45
David Lau: your
9:46
David Lau: practice.
9:48
Ryan: That's
9:49
Ryan: fantastic
9:49
Ryan: David
9:50
Ryan: and
9:51
Ryan: great
9:51
Ryan: explanation
9:52
Ryan: there
9:53
Ryan: of
9:53
Ryan: them
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Ryan: Like
9:54
Ryan: you
9:54
Ryan: I'm
9:54
Ryan: all
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Ryan: about
9:56
Ryan: democratization
9:57
Ryan: of
9:57
Ryan: investing
9:58
Ryan: and
9:58
Ryan: that
9:58
Ryan: really
9:58
Ryan: sounds
9:58
Ryan: Owns
9:59
Ryan: like
9:59
Ryan: what
9:59
Ryan: zero
10:00
Ryan: commission
10:00
Ryan: annuities
10:01
Ryan: really
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10:03
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10:04
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10:04
Ryan: many
10:05
Ryan: other
10:05
Ryan: investors
10:06
Ryan: out
10:06
Ryan: there
10:07
Ryan: or
10:07
Ryan: financial
10:07
Ryan: advisors
10:09
Ryan: who
10:09
Ryan: like
10:09
Ryan: you
10:10
Ryan: said
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Ryan: might
10:10
Ryan: have
10:10
Ryan: shied
10:10
Ryan: away
10:11
Ryan: from
10:11
Ryan: annuities
10:11
Ryan: before
10:12
Ryan: but
10:12
Ryan: now
10:12
Ryan: it's
10:12
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10:12
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10:13
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10:13
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10:14
Ryan: good
10:14
Ryan: product
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10:16
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10:16
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10:16
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10:16
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10:16
Ryan: the
10:16
Ryan: day
10:17
Ryan: help
10:17
Ryan: our
10:18
Ryan: clients
10:18
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10:18
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10:18
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10:18
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10:19
Ryan: important
10:19
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10:20
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10:20
Ryan: the
10:21
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Ryan: is
10:22
Ryan: helping
10:22
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10:22
Ryan: client
10:23
Ryan: achieve
10:23
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10:23
Ryan: financial
10:24
Ryan: objectives
10:24
David Lau: That,
10:24
David Lau: that,
10:25
David Lau: that's
10:25
David Lau: right.
10:25
David Lau: I
10:25
David Lau: mean,
10:25
David Lau: one
10:26
David Lau: of
10:26
David Lau: my,
10:26
David Lau: you
10:26
David Lau: know,
10:27
David Lau: friends
10:27
David Lau: in
10:27
David Lau: the
10:28
David Lau: industry,
10:28
David Lau: Michael
10:28
David Lau: Finka,
10:29
David Lau: who's
10:29
David Lau: a
10:29
David Lau: professor,
10:30
David Lau: you
10:30
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10:30
David Lau: of
10:30
David Lau: retirement
10:31
David Lau: income,
10:32
David Lau: and
10:32
David Lau: he's
10:32
David Lau: like.
10:33
David Lau: We've
10:34
David Lau: proven
10:34
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10:34
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10:35
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10:35
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10:36
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10:36
David Lau: annuities
10:36
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10:36
David Lau: valuable
10:37
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10:38
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10:38
David Lau: in
10:38
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10:38
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10:39
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10:39
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10:40
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10:40
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10:41
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10:41
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10:42
David Lau: of
10:42
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10:42
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10:42
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10:43
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10:43
David Lau: you
10:43
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10:43
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10:44
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10:44
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10:45
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10:46
David Lau: economic
10:47
David Lau: benefits
10:47
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10:47
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10:47
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10:48
David Lau: is
10:48
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10:48
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10:49
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10:50
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10:50
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10:50
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10:50
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10:52
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10:52
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10:53
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10:53
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10:53
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10:53
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10:54
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10:54
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10:54
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10:54
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10:54
David Lau: shunned
10:55
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10:55
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10:56
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10:56
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10:56
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10:56
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10:57
David Lau: now
10:57
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10:57
David Lau: got
10:58
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10:58
David Lau: great
10:58
David Lau: tool.
10:59
David Lau: Again,
10:59
David Lau: like
11:00
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11:00
David Lau: annuity
11:00
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11:00
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11:00
David Lau: great
11:01
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11:01
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11:02
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11:02
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11:02
David Lau: again,
11:03
David Lau: another
11:03
David Lau: tool
11:04
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11:04
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11:04
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11:04
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11:05
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11:05
David Lau: the
11:05
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11:05
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11:05
David Lau: your
11:05
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11:06
David Lau: That
11:07
David Lau: really
11:07
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11:07
David Lau: be
11:07
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11:08
David Lau: through
11:08
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11:09
David Lau: You
11:09
David Lau: know,
11:09
David Lau: it's
11:10
David Lau: effectively,
11:11
David Lau: you
11:11
David Lau: know,
11:11
David Lau: a
11:11
David Lau: product
11:12
David Lau: with
11:12
David Lau: a
11:12
David Lau: structure
11:12
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11:13
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11:13
David Lau: unlimited
11:14
David Lau: tax
11:14
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11:15
David Lau: You
11:15
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11:15
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11:15
David Lau: no,
11:16
David Lau: no
11:16
David Lau: contribution
11:17
David Lau: limits.
11:17
David Lau: It's
11:18
David Lau: a
11:18
David Lau: tax
11:18
David Lau: deferred
11:18
David Lau: product
11:19
David Lau: that
11:19
David Lau: can
11:20
David Lau: generate
11:20
David Lau: lifetime
11:21
David Lau: income
11:21
David Lau: while
11:21
David Lau: providing
11:22
David Lau: some
11:22
David Lau: downside
11:23
David Lau: protection
11:24
David Lau: you
11:24
David Lau: know,
11:24
David Lau: really
11:25
David Lau: great
11:25
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11:26
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11:27
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11:27
David Lau: know,
11:27
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11:27
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11:27
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11:28
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11:28
David Lau: or
11:28
David Lau: a
11:28
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11:29
David Lau: And
11:29
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11:30
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11:30
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11:30
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11:30
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11:30
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11:30
David Lau: low
11:31
David Lau: cost
11:32
David Lau: way
11:32
David Lau: that
11:33
David Lau: works
11:33
David Lau: with
11:33
David Lau: within
11:34
David Lau: your
11:34
David Lau: business
11:34
David Lau: model.
11:37
Ryan: I
11:37
Ryan: did
11:38
Ryan: some
11:38
Ryan: research
11:39
Ryan: about
11:39
Ryan: a
11:39
Ryan: year
11:39
Ryan: ago
11:40
Ryan: now
11:40
Ryan: about
11:40
Ryan: annuities
11:41
Ryan: and
11:41
Ryan: the
11:41
Ryan: impact
11:42
Ryan: they
11:42
Ryan: have
11:42
Ryan: I
11:43
Ryan: talking
11:43
Ryan: about
11:43
Ryan: the
11:43
Ryan: retirement
11:44
Ryan: crisis
11:45
Ryan: in
11:45
Ryan: America
11:45
Ryan: and
11:46
Ryan: people
11:46
Ryan: just
11:46
Ryan: not
11:46
Ryan: saving
11:47
Ryan: enough
11:47
Ryan: Can
11:48
Ryan: annuities
11:48
Ryan: really
11:49
Ryan: help
11:49
Ryan: bridge
11:49
Ryan: that
11:50
Ryan: gap
11:51
Ryan: and
11:51
Ryan: fill
11:51
Ryan: a
11:51
Ryan: gap
11:51
Ryan: Because
11:52
Ryan: like
11:52
Ryan: I
11:52
Ryan: said
11:52
Ryan: pensions
11:53
Ryan: aren't
11:53
Ryan: available
11:53
Ryan: anywhere
11:54
Ryan: who
11:54
Ryan: knows
11:54
Ryan: about
11:54
Ryan: social
11:55
Ryan: security
11:55
Ryan: and
11:56
Ryan: they
11:56
Ryan: really
11:56
Ryan: can
11:56
Ryan: And
11:56
Ryan: the
11:57
Ryan: research
11:57
Ryan: that
11:57
Ryan: I've
11:58
Ryan: conducted
11:58
Ryan: that
11:59
Ryan: annuities
12:00
Ryan: can
12:00
Ryan: fill
12:00
Ryan: that
12:00
Ryan: role
12:01
Ryan: and
12:01
Ryan: do
12:01
Ryan: it
12:02
Ryan: One
12:02
Ryan: I've
12:02
Ryan: never
12:03
Ryan: even
12:03
Ryan: touched
12:03
Ryan: the
12:04
Ryan: psychology
12:04
Ryan: of
12:05
Ryan: it
12:05
Ryan: Like
12:05
Ryan: that
12:06
Ryan: mindset
12:06
Ryan: of
12:07
Ryan: the
12:07
Ryan: owner
12:08
Ryan: I'm
12:08
Ryan: getting
12:08
Ryan: a
12:08
Ryan: check
12:09
Ryan: every
12:09
Ryan: month
12:09
Ryan: to
12:10
Ryan: help
12:10
Ryan: me
12:10
David Lau: Right.
12:11
Ryan: Stabilize
12:11
Ryan: my
12:12
Ryan: retirement
12:13
David Lau: And,
12:13
David Lau: and
12:13
David Lau: it's
12:14
David Lau: been
12:14
David Lau: interesting,
12:14
David Lau: you
12:15
David Lau: know,
12:15
David Lau: one,
12:15
David Lau: both
12:15
David Lau: like
12:16
David Lau: the
12:16
David Lau: academic
12:16
David Lau: research
12:17
David Lau: will
12:17
David Lau: tell
12:17
David Lau: you
12:17
David Lau: that
12:17
David Lau: there's
12:18
David Lau: been
12:18
David Lau: tremendous
12:18
David Lau: amounts
12:19
David Lau: of
12:19
David Lau: academic
12:19
David Lau: research
12:19
David Lau: around
12:20
David Lau: annuities.
12:21
David Lau: Both
12:21
David Lau: the,
12:22
David Lau: you
12:22
David Lau: know,
12:22
David Lau: the
12:22
David Lau: economic
12:23
David Lau: aspects
12:23
David Lau: and
12:23
David Lau: the
12:23
David Lau: behavioral,
12:24
David Lau: you
12:24
David Lau: know,
12:24
David Lau: aspects
12:25
David Lau: for
12:25
David Lau: clients.
12:26
David Lau: And
12:26
David Lau: it's
12:27
David Lau: been
12:27
David Lau: interesting
12:27
David Lau: as
12:28
David Lau: we've
12:28
David Lau: been
12:29
David Lau: basically
12:29
David Lau: engaging
12:30
David Lau: a
12:30
David Lau: lot
12:30
David Lau: of
12:30
David Lau: advisors.
12:31
David Lau: You
12:31
David Lau: know,
12:31
David Lau: we
12:31
David Lau: work
12:31
David Lau: with
12:31
David Lau: thousands
12:32
David Lau: of
12:32
David Lau: advisors
12:33
David Lau: across
12:33
David Lau: the
12:33
David Lau: country,
12:34
David Lau: you
12:34
David Lau: know.
12:34
David Lau: Many
12:35
David Lau: of
12:35
David Lau: them
12:35
David Lau: using
12:36
David Lau: annuities
12:36
David Lau: for
12:36
David Lau: the
12:36
David Lau: first
12:37
David Lau: time.
12:37
David Lau: And
12:37
David Lau: when
12:37
David Lau: we
12:38
David Lau: survey
12:38
David Lau: them
12:38
David Lau: and
12:39
David Lau: talk
12:39
David Lau: to
12:39
David Lau: them
12:39
David Lau: about
12:39
David Lau: what's
12:40
David Lau: your
12:40
David Lau: experience
12:41
David Lau: and
12:41
David Lau: what's
12:41
David Lau: your
12:41
David Lau: client's
12:42
David Lau: experience,
12:43
David Lau: and,
12:43
David Lau: and
12:43
David Lau: what
12:44
David Lau: they
12:44
David Lau: feed
12:44
David Lau: back
12:44
David Lau: to
12:44
David Lau: us
12:45
David Lau: is
12:45
David Lau: basically
12:45
David Lau: like
12:46
David Lau: the
12:46
David Lau: market,
12:46
David Lau: like
12:46
David Lau: the
12:46
David Lau: research
12:47
David Lau: you'd
12:47
David Lau: read
12:47
David Lau: from
12:48
David Lau: a
12:48
David Lau: professor.
12:48
David Lau: You
12:49
David Lau: know,
12:49
David Lau: one
12:49
David Lau: behaviorally
12:50
David Lau: it's
12:50
David Lau: really
12:51
David Lau: helpful
12:51
David Lau: because
12:52
David Lau: you
12:52
David Lau: have
12:52
David Lau: these
12:52
David Lau: clients
12:53
David Lau: who've
12:53
David Lau: been
12:53
David Lau: getting
12:53
David Lau: a
12:53
David Lau: paycheck
12:54
David Lau: as
12:55
David Lau: you're
12:55
David Lau: referring
12:55
David Lau: to
12:55
David Lau: Ryan,
12:56
David Lau: they're,
12:56
David Lau: you're
12:56
David Lau: used
12:56
David Lau: to
12:56
David Lau: getting
12:57
David Lau: a
12:57
David Lau: paycheck,
12:57
David Lau: now
12:57
David Lau: you
12:58
David Lau: go
12:58
David Lau: into
12:58
David Lau: retirement
12:58
David Lau: and
12:59
David Lau: you're
12:59
David Lau: no
12:59
David Lau: longer
12:59
David Lau: getting
12:59
David Lau: that
13:00
David Lau: paycheck.
13:00
David Lau: Well,
13:01
David Lau: that's,
13:01
David Lau: you
13:01
David Lau: know,
13:02
David Lau: that's.
13:03
David Lau: Challenging.
13:03
David Lau: You
13:03
David Lau: have
13:03
David Lau: to
13:04
David Lau: get
13:04
David Lau: used
13:04
David Lau: to
13:04
David Lau: that.
13:04
David Lau: But
13:04
David Lau: with
13:05
David Lau: an
13:05
David Lau: annuity,
13:05
David Lau: now
13:05
David Lau: you're
13:06
David Lau: gonna
13:06
David Lau: get
13:06
David Lau: that
13:06
David Lau: paycheck.
13:07
David Lau: So
13:07
David Lau: you're,
13:08
David Lau: you're
13:08
David Lau: starting
13:08
David Lau: to,
13:09
David Lau: you
13:09
David Lau: know,
13:09
David Lau: replicate
13:10
David Lau: some
13:10
David Lau: of
13:10
David Lau: your,
13:11
David Lau: you
13:11
David Lau: know,
13:11
David Lau: what
13:11
David Lau: you've
13:11
David Lau: been
13:11
David Lau: used
13:12
David Lau: to,
13:12
David Lau: you
13:12
David Lau: know,
13:13
David Lau: in
13:13
David Lau: your
13:13
David Lau: lifetime.
13:14
David Lau: 'cause,
13:14
David Lau: you
13:14
David Lau: know,
13:14
David Lau: retirement's
13:15
David Lau: big
13:16
David Lau: changes
13:16
David Lau: like
13:16
David Lau: there's
13:17
David Lau: a
13:17
David Lau: lot
13:17
David Lau: of
13:17
David Lau: changes
13:17
David Lau: in
13:18
David Lau: your
13:18
David Lau: life.
13:18
David Lau: That
13:19
David Lau: you
13:19
David Lau: have
13:19
David Lau: to
13:19
David Lau: deal
13:19
David Lau: with
13:20
David Lau: having,
13:20
David Lau: you
13:20
David Lau: know,
13:20
David Lau: that
13:21
David Lau: financial
13:21
David Lau: aspect,
13:22
David Lau: starting
13:23
David Lau: to
13:23
David Lau: feel
13:24
David Lau: like
13:24
David Lau: familiar.
13:25
David Lau: You
13:25
David Lau: know,
13:25
David Lau: I
13:25
David Lau: know
13:26
David Lau: how
13:26
David Lau: to
13:26
David Lau: spend
13:26
David Lau: my
13:26
David Lau: paycheck,
13:27
David Lau: I
13:27
David Lau: know
13:27
David Lau: how
13:27
David Lau: to
13:27
David Lau: budget
13:28
David Lau: from
13:28
David Lau: my
13:28
David Lau: paycheck
13:29
David Lau: and
13:29
David Lau: having
13:29
David Lau: an
13:30
David Lau: annuity
13:30
David Lau: replace
13:30
David Lau: that
13:31
David Lau: is
13:31
David Lau: a
13:31
David Lau: great
13:31
David Lau: thing.
13:32
David Lau: And
13:33
David Lau: like
13:33
David Lau: I
13:33
David Lau: was
13:33
David Lau: referring
13:33
David Lau: to
13:34
David Lau: also.
13:35
David Lau: Advisors
13:35
David Lau: refer
13:36
David Lau: back.
13:36
David Lau: My
13:36
David Lau: clients
13:37
David Lau: don't
13:37
David Lau: call
13:37
David Lau: me
13:38
David Lau: as
13:38
David Lau: much
13:38
David Lau: when
13:39
David Lau: the,
13:39
David Lau: when
13:39
David Lau: the
13:39
David Lau: market's
13:40
David Lau: volatile.
13:40
David Lau: You
13:41
David Lau: know,
13:41
David Lau: my
13:41
David Lau: clients,
13:41
David Lau: I
13:42
David Lau: don't
13:42
David Lau: have
13:42
David Lau: to,
13:42
David Lau: you
13:42
David Lau: know,
13:43
David Lau: work
13:43
David Lau: as
13:43
David Lau: hard
13:44
David Lau: to
13:44
David Lau: convince
13:44
David Lau: them
13:45
David Lau: to
13:45
David Lau: spend
13:45
David Lau: money
13:46
David Lau: in
13:46
David Lau: retirement
13:46
David Lau: and,
13:47
David Lau: and
13:47
David Lau: that's
13:47
David Lau: generally
13:48
David Lau: the
13:48
David Lau: bigger
13:48
David Lau: problem.
13:49
David Lau: Right?
13:49
David Lau: Advisors
13:50
David Lau: will
13:50
David Lau: tell
13:50
David Lau: you,
13:51
David Lau: I
13:51
David Lau: have
13:51
David Lau: more
13:51
David Lau: problems
13:52
David Lau: getting
13:52
David Lau: my
13:52
David Lau: clients
13:53
David Lau: to
13:53
David Lau: spend
13:54
David Lau: and
13:54
David Lau: live
13:54
David Lau: as
13:54
David Lau: they're
13:54
David Lau: capable
13:55
David Lau: of.
13:56
David Lau: Then.
13:57
David Lau: You
13:57
David Lau: know,
13:57
David Lau: reigning
13:58
David Lau: some
13:58
David Lau: of
13:58
David Lau: them
13:58
David Lau: back
13:58
David Lau: from
13:59
David Lau: overspending.
13:59
David Lau: Like
14:00
David Lau: those
14:00
David Lau: you
14:00
David Lau: don't
14:00
David Lau: have
14:01
David Lau: at
14:01
David Lau: nearly
14:01
David Lau: as
14:01
David Lau: many,
14:02
David Lau: you
14:02
David Lau: know,
14:02
David Lau: clients
14:03
David Lau: who
14:03
David Lau: are,
14:03
David Lau: you
14:03
David Lau: know,
14:03
David Lau: outspending,
14:04
David Lau: you
14:05
David Lau: know,
14:05
David Lau: their,
14:05
David Lau: their,
14:05
David Lau: their
14:06
David Lau: income
14:06
David Lau: or
14:06
David Lau: outspending
14:07
David Lau: their
14:07
David Lau: assets
14:08
David Lau: as
14:08
David Lau: you
14:08
David Lau: do.
14:09
David Lau: The
14:09
David Lau: people
14:09
David Lau: who
14:09
David Lau: are
14:09
David Lau: just
14:09
David Lau: sitting
14:10
David Lau: on
14:10
David Lau: their
14:10
David Lau: money
14:10
David Lau: too,
14:11
David Lau: too
14:11
David Lau: afraid
14:11
David Lau: to
14:11
David Lau: spend
14:12
David Lau: it.
14:12
David Lau: And
14:12
David Lau: annuities
14:13
David Lau: can
14:13
David Lau: help
14:13
David Lau: with
14:13
David Lau: both
14:13
David Lau: of
14:14
David Lau: the,
14:14
David Lau: in
14:14
David Lau: both
14:14
David Lau: of
14:14
David Lau: those
14:15
David Lau: instances.
14:17
Ryan: That's
14:17
Ryan: a
14:17
Ryan: good
14:17
Ryan: point
14:18
Ryan: and
14:19
Ryan: done
14:19
Ryan: a
14:19
Ryan: lot
14:19
Ryan: of
14:19
Ryan: conver
14:20
Ryan: had
14:20
Ryan: a
14:20
Ryan: lot
14:20
Ryan: of
14:20
Ryan: conversations
14:22
Ryan: about
14:23
Ryan: people
14:23
Ryan: living
14:23
Ryan: longer
14:24
Ryan: than
14:24
Ryan: ever
14:25
Ryan: probably
14:25
Ryan: even
14:26
Ryan: makes
14:26
Ryan: annuities
14:26
Ryan: more
14:27
Ryan: attractive
14:27
Ryan: right
14:28
Ryan: A
14:28
Ryan: lot
14:28
Ryan: of
14:28
Ryan: times
14:28
Ryan: you
14:28
Ryan: buy
14:29
Ryan: annuities
14:29
Ryan: and
14:29
Ryan: you
14:29
Ryan: think
14:29
Ryan: I'm
14:29
Ryan: gonna
14:31
Ryan: annuitize
14:31
Ryan: it
14:32
Ryan: start
14:32
Ryan: getting
14:32
Ryan: payments
14:33
Ryan: But
14:33
Ryan: what
14:34
Ryan: if
14:35
Ryan: worst
14:36
Ryan: case
14:36
Ryan: happens
14:36
Ryan: and
14:36
Ryan: in
14:37
Ryan: a
14:37
Ryan: year
14:37
Ryan: I
14:37
Ryan: pass
14:37
Ryan: away
14:38
Ryan: and
14:38
Ryan: I
14:38
Ryan: don't
14:38
Ryan: get
14:38
Ryan: the
14:38
Ryan: money
14:39
Ryan: back
14:40
Ryan: Now
14:40
Ryan: that
14:40
Ryan: you're
14:40
Ryan: living
14:41
Ryan: to
14:41
Ryan: a
14:41
Ryan: hundred
14:42
Ryan: right
14:42
Ryan: If
14:42
Ryan: you
14:43
Ryan: annuitize
14:43
Ryan: that
14:43
Ryan: product
14:44
Ryan: at
14:45
Ryan: say
14:45
Ryan: 60
14:46
Ryan: you're
14:46
Ryan: getting
14:47
Ryan: a
14:47
Ryan: lot
14:47
Ryan: of
14:47
Ryan: value
14:48
David Lau: Yeah.
14:48
David Lau: Yeah,
14:49
David Lau: and,
14:49
David Lau: and
14:50
David Lau: I'll
14:50
David Lau: clarify,
14:51
David Lau: you
14:51
David Lau: know,
14:51
David Lau: a
14:51
David Lau: term
14:51
David Lau: there,
14:52
David Lau: you
14:52
David Lau: know,
14:52
David Lau: annuitization
14:54
David Lau: and,
14:54
David Lau: and
14:54
David Lau: many
14:54
David Lau: people
14:55
David Lau: think
14:55
David Lau: of
14:55
David Lau: annuitization
14:56
David Lau: like
14:56
David Lau: the
14:56
David Lau: income
14:56
David Lau: aspect
14:57
David Lau: of
14:57
David Lau: an
14:57
David Lau: annuity
14:58
David Lau: only
14:58
David Lau: as
14:59
David Lau: annuitization,
14:59
David Lau: which
14:59
David Lau: rarely
15:00
David Lau: happens,
15:01
David Lau: which,
15:01
David Lau: 'cause
15:02
David Lau: the,
15:02
David Lau: the
15:02
David Lau: technical
15:03
David Lau: annuitization
15:04
David Lau: is
15:04
David Lau: when
15:04
David Lau: you're
15:05
David Lau: turning
15:05
David Lau: your
15:05
David Lau: assets
15:06
David Lau: over
15:06
David Lau: to
15:06
David Lau: the
15:06
David Lau: carrier,
15:07
David Lau: right?
15:08
David Lau: And
15:08
David Lau: now
15:08
David Lau: they're
15:08
David Lau: turning
15:08
David Lau: that
15:09
David Lau: into
15:09
David Lau: an
15:09
David Lau: income
15:09
David Lau: stream.
15:10
David Lau: And,
15:10
David Lau: and
15:10
David Lau: that,
15:11
David Lau: that's
15:11
David Lau: like
15:12
David Lau: a
15:12
David Lau: single
15:12
David Lau: premium
15:12
David Lau: immediate
15:13
David Lau: annuity.
15:14
David Lau: That's
15:14
David Lau: about
15:14
David Lau: 4%
15:15
David Lau: of
15:15
David Lau: the
15:15
David Lau: market.
15:16
David Lau: You
15:16
David Lau: know,
15:16
David Lau: mostly
15:17
David Lau: people
15:17
David Lau: use
15:18
David Lau: and
15:18
David Lau: for
15:19
David Lau: good
15:19
David Lau: reason,
15:20
David Lau: use
15:20
David Lau: income
15:20
David Lau: riders
15:21
David Lau: to
15:21
David Lau: generate
15:21
David Lau: income
15:22
David Lau: because
15:22
David Lau: you
15:23
David Lau: don't
15:23
David Lau: have
15:23
David Lau: to
15:23
David Lau: turn
15:23
David Lau: the
15:24
David Lau: assets
15:24
David Lau: over
15:24
David Lau: to
15:24
David Lau: the
15:24
David Lau: CL
15:25
David Lau: over
15:25
David Lau: to
15:25
David Lau: the
15:25
David Lau: carrier.
15:26
David Lau: You're
15:26
David Lau: still
15:26
David Lau: gonna
15:27
David Lau: have
15:27
David Lau: that
15:27
David Lau: account
15:27
David Lau: balance,
15:28
David Lau: so
15:28
David Lau: you
15:28
David Lau: don't
15:29
David Lau: have
15:29
David Lau: to
15:29
David Lau: worry
15:29
David Lau: about,
15:30
David Lau: again,
15:30
David Lau: behaviorally,
15:31
David Lau: you
15:31
David Lau: know,
15:31
David Lau: for
15:32
David Lau: a
15:32
David Lau: client
15:32
David Lau: who
15:32
David Lau: doesn't
15:33
David Lau: like
15:33
David Lau: seeing.
15:34
David Lau: 20%
15:35
David Lau: of
15:35
David Lau: their
15:35
David Lau: nest
15:35
David Lau: egg
15:36
David Lau: go,
15:36
David Lau: you
15:36
David Lau: know,
15:36
David Lau: disappear
15:37
David Lau: and
15:37
David Lau: now
15:37
David Lau: it's
15:37
David Lau: gonna
15:38
David Lau: be
15:38
David Lau: turning
15:38
David Lau: into
15:38
David Lau: income.
15:39
David Lau: You
15:39
David Lau: can
15:39
David Lau: still
15:39
David Lau: see
15:40
David Lau: that
15:40
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15:40
David Lau: balance
15:41
David Lau: and
15:41
David Lau: it's
15:41
David Lau: getting
15:41
David Lau: depleted,
15:42
David Lau: you
15:42
David Lau: know,
15:43
David Lau: as
15:43
David Lau: you're
15:43
David Lau: withdrawing
15:44
David Lau: and,
15:44
David Lau: and
15:44
David Lau: it's
15:44
David Lau: making
15:45
David Lau: payments.
15:45
David Lau: But
15:46
David Lau: you
15:46
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15:46
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15:47
David Lau: have
15:47
David Lau: to
15:47
David Lau: annuitize
15:48
David Lau: in
15:48
David Lau: order
15:48
David Lau: to
15:48
David Lau: generate
15:49
David Lau: that
15:49
David Lau: income,
15:49
David Lau: which
15:50
David Lau: is
15:50
David Lau: a
15:50
David Lau: really,
15:50
David Lau: IM,
15:50
David Lau: IM
15:51
David Lau: important
15:52
David Lau: you
15:52
David Lau: know,
15:52
David Lau: benefit
15:53
David Lau: and
15:53
David Lau: that.
15:54
David Lau: Again,
15:54
David Lau: the
15:55
David Lau: behavioral
15:55
David Lau: benefits
15:56
David Lau: that
15:57
David Lau: that
15:57
David Lau: can
15:57
David Lau: provide
15:57
David Lau: are,
15:58
David Lau: are
15:58
David Lau: tremendous.
15:59
David Lau: And
15:59
David Lau: what
15:59
David Lau: most
15:59
David Lau: advisors
16:00
David Lau: don't
16:00
David Lau: realize
16:01
David Lau: because
16:02
David Lau: they
16:02
David Lau: they
16:03
David Lau: dismiss
16:03
David Lau: annuities
16:04
David Lau: without
16:04
David Lau: actually
16:04
David Lau: researching
16:05
David Lau: them,
16:06
David Lau: is
16:06
David Lau: that
16:06
David Lau: they're
16:07
David Lau: really
16:07
David Lau: efficient
16:08
David Lau: about
16:08
David Lau: generating
16:08
David Lau: income.
16:09
David Lau: So
16:10
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16:10
David Lau: when
16:11
David Lau: you
16:11
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16:11
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16:12
David Lau: comparing
16:12
David Lau: your
16:12
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16:13
David Lau: income
16:13
David Lau: portion
16:14
David Lau: of
16:14
David Lau: your
16:14
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16:15
David Lau: and
16:16
David Lau: the
16:16
David Lau: amount
16:16
David Lau: of
16:16
David Lau: income
16:16
David Lau: you
16:17
David Lau: can
16:17
David Lau: generate
16:17
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16:17
David Lau: of
16:17
David Lau: that
16:18
David Lau: relative
16:18
David Lau: to
16:18
David Lau: an
16:18
David Lau: annuity,
16:19
David Lau: and
16:19
David Lau: annuity
16:19
David Lau: is
16:19
David Lau: gonna
16:20
David Lau: blow
16:20
David Lau: it
16:20
David Lau: away.
16:21
David Lau: And
16:21
David Lau: it's
16:21
David Lau: going
16:21
David Lau: to
16:21
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16:22
David Lau: you
16:22
David Lau: that,
16:22
David Lau: you
16:22
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16:23
David Lau: lifetime
16:23
David Lau: benefit
16:24
David Lau: that
16:24
David Lau: you're
16:24
David Lau: referring
16:25
David Lau: to.
16:25
David Lau: Like,
16:26
David Lau: how
16:26
David Lau: do
16:26
David Lau: you
16:26
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16:27
David Lau: for
16:27
David Lau: a
16:27
David Lau: retirement
16:28
David Lau: of
16:28
David Lau: an
16:29
David Lau: unknown
16:29
David Lau: duration
16:30
David Lau: that
16:30
David Lau: could
16:30
David Lau: be
16:31
David Lau: 40
16:31
David Lau: years?
16:32
David Lau: I
16:32
David Lau: mean,
16:32
David Lau: having
16:33
David Lau: at
16:33
David Lau: least
16:33
David Lau: some
16:34
David Lau: portion
16:34
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16:34
David Lau: that
16:34
David Lau: income
16:35
David Lau: covered
16:35
David Lau: by
16:36
David Lau: a
16:36
David Lau: guarantee
16:37
David Lau: just
16:37
David Lau: makes
16:37
David Lau: planning
16:38
David Lau: so
16:38
David Lau: much
16:38
David Lau: easier,
16:39
David Lau: makes
16:39
David Lau: life
16:39
David Lau: so
16:40
David Lau: much
16:40
David Lau: more
16:40
David Lau: easy
16:41
David Lau: for
16:41
David Lau: your
16:41
David Lau: client.
16:42
David Lau: It's
16:42
David Lau: just
16:42
David Lau: a
16:42
David Lau: really
16:42
David Lau: valuable
16:43
David Lau: tool
16:43
David Lau: and,
16:44
David Lau: and
16:44
David Lau: it's
16:44
David Lau: a
16:44
David Lau: shame
16:44
David Lau: that
16:45
David Lau: they've
16:45
David Lau: become
16:45
David Lau: so
16:46
David Lau: controversial.
16:48
Ryan: That's
16:48
Ryan: a
16:48
Ryan: very
16:48
Ryan: good
16:48
Ryan: point
16:49
Ryan: Yeah
16:49
Ryan: you're
16:49
Ryan: exactly
16:50
Ryan: right
16:50
Ryan: about
16:51
Ryan: it
16:51
Ryan: Just
16:51
Ryan: being
16:51
Ryan: like
16:52
Ryan: you
16:52
Ryan: said
16:52
Ryan: at
16:52
Ryan: the
16:52
Ryan: beginning
16:52
Ryan: polarizing
16:53
Ryan: Very
16:54
Ryan: good
16:54
Ryan: term
16:55
Ryan: for
16:55
Ryan: it
16:55
Ryan: Very
16:55
Ryan: polarizing
16:57
Ryan: client
16:58
Ryan: suitability
16:59
David Lau: I'll
16:59
David Lau: make
16:59
David Lau: a
16:59
David Lau: quick
16:59
David Lau: joke
17:00
David Lau: on
17:00
David Lau: that.
17:00
David Lau: So
17:00
David Lau: like
17:01
David Lau: I
17:01
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17:01
David Lau: that
17:01
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17:01
David Lau: polarizing,
17:02
David Lau: so
17:03
David Lau: you
17:03
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17:03
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17:03
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17:04
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17:04
David Lau: you
17:05
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17:05
David Lau: I'm.
17:06
David Lau: Interested
17:07
David Lau: in
17:07
David Lau: talking
17:07
David Lau: to
17:07
David Lau: you
17:08
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17:08
David Lau: not
17:08
David Lau: interested
17:09
David Lau: in
17:09
David Lau: talking
17:09
David Lau: to
17:09
David Lau: you?
17:09
David Lau: I'm
17:09
David Lau: either
17:10
David Lau: gonna
17:10
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17:10
David Lau: you
17:10
David Lau: I
17:11
David Lau: sell
17:11
David Lau: annuities
17:12
David Lau: or
17:12
David Lau: I'm
17:12
David Lau: an
17:13
David Lau: entrepreneur.
17:14
David Lau: Like,
17:14
David Lau: so
17:14
David Lau: if,
17:15
David Lau: if
17:15
David Lau: they,
17:16
David Lau: if,
17:16
David Lau: if
17:16
David Lau: I'm
17:16
David Lau: interested
17:17
David Lau: in,
17:17
David Lau: in,
17:18
David Lau: in
17:18
David Lau: having
17:19
David Lau: a
17:19
David Lau: conversation,
17:19
David Lau: I'm
17:19
David Lau: an
17:20
David Lau: entrepreneur
17:20
David Lau: and
17:20
David Lau: if
17:20
David Lau: I,
17:21
David Lau: you
17:21
David Lau: know,
17:21
David Lau: want
17:21
David Lau: to
17:21
David Lau: get
17:22
David Lau: out
17:22
David Lau: of
17:22
David Lau: a
17:22
David Lau: conversation,
17:23
David Lau: I'll
17:23
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17:23
David Lau: you
17:23
David Lau: I
17:23
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17:23
David Lau: annuities.
17:24
Ryan: He
17:25
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17:25
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17:25
Ryan: the
17:26
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17:27
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17:27
Ryan: the
17:27
Ryan: phone
17:27
Ryan: up
17:27
Ryan: quick
17:28
David Lau: That's
17:28
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17:29
Ryan: the
17:29
Ryan: door
17:29
Ryan: I
17:30
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17:30
Ryan: it
17:31
Ryan: That's
17:31
Ryan: awesome
17:32
Ryan: client
17:32
Ryan: suitability
17:33
Ryan: is
17:33
Ryan: obviously
17:34
Ryan: very
17:34
Ryan: important
17:35
Ryan: regardless
17:36
Ryan: of
17:36
Ryan: the
17:36
Ryan: investment
17:36
Ryan: product
17:37
Ryan: financial
17:37
Ryan: advisors
17:38
Ryan: are
17:38
Ryan: recommending
17:39
Ryan: to
17:39
Ryan: their
17:39
Ryan: clients
17:39
Ryan: But
17:40
Ryan: for
17:40
Ryan: annuity
17:41
Ryan: suitability
17:42
Ryan: is
17:42
Ryan: probably
17:42
Ryan: even
17:42
Ryan: more
17:43
Ryan: important
17:43
Ryan: for
17:44
Ryan: The
17:44
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17:44
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17:44
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17:44
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17:45
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17:46
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17:46
Ryan: there
17:46
Ryan: certain
17:47
Ryan: investors
17:48
Ryan: where
17:48
Ryan: zero
17:49
Ryan: commission
17:50
Ryan: annuities
17:50
Ryan: might
17:50
Ryan: be
17:50
Ryan: more
17:51
Ryan: suitable
17:51
Ryan: for
17:52
Ryan: I'm
17:52
Ryan: assuming
17:53
Ryan: everything
17:53
Ryan: that
17:53
Ryan: you've
17:53
Ryan: said
17:54
Ryan: zero
17:54
Ryan: commission
17:55
Ryan: annuities
17:55
Ryan: really
17:55
Ryan: are
17:56
Ryan: suitable
17:56
Ryan: for
17:56
Ryan: all
17:57
Ryan: people
17:57
Ryan: would
17:58
Ryan: be
17:58
Ryan: interested
17:58
Ryan: in
17:59
Ryan: annuities
18:00
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18:00
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18:01
Ryan: are
18:01
Ryan: there
18:01
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18:02
Ryan: investors
18:02
Ryan: where
18:02
Ryan: maybe
18:03
Ryan: they're
18:03
Ryan: not
18:03
Ryan: suitable
18:04
Ryan: for
18:04
David Lau: There.
18:05
David Lau: Well,
18:05
David Lau: I
18:05
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18:05
David Lau: it
18:06
David Lau: would
18:06
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18:06
David Lau: be,
18:06
David Lau: it
18:06
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18:07
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18:07
David Lau: any
18:07
David Lau: different
18:07
David Lau: than
18:08
David Lau: a
18:08
David Lau: regular
18:08
David Lau: annuity,
18:09
David Lau: but
18:09
David Lau: you're
18:09
David Lau: just
18:10
David Lau: dealing
18:10
David Lau: with
18:10
David Lau: a
18:10
David Lau: low
18:10
David Lau: cost
18:11
David Lau: annuity
18:11
David Lau: and,
18:11
David Lau: and
18:12
David Lau: part
18:12
David Lau: of
18:12
David Lau: the
18:12
David Lau: advantage,
18:13
David Lau: you
18:13
David Lau: know,
18:13
David Lau: I
18:14
David Lau: I
18:14
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18:14
David Lau: a
18:14
David Lau: lot
18:14
David Lau: of
18:14
David Lau: times,
18:15
David Lau: and
18:15
David Lau: it's
18:15
David Lau: a
18:15
David Lau: bit.
18:16
David Lau: Provocative
18:17
David Lau: just
18:17
David Lau: to
18:17
David Lau: say
18:17
David Lau: it,
18:17
David Lau: but
18:18
David Lau: it,
18:18
David Lau: it's
18:18
David Lau: largely
18:18
David Lau: true
18:19
David Lau: is
18:20
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18:20
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18:20
David Lau: the
18:21
David Lau: root
18:21
David Lau: of
18:21
David Lau: all
18:21
David Lau: evil
18:21
David Lau: in
18:21
David Lau: annuities.
18:22
David Lau: So
18:23
David Lau: all
18:23
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18:23
David Lau: things
18:24
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18:24
David Lau: you
18:24
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18:24
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18:24
David Lau: you've
18:25
David Lau: never
18:25
David Lau: liked
18:25
David Lau: annuities,
18:27
David Lau: you
18:27
David Lau: know,
18:27
David Lau: when
18:27
David Lau: you
18:27
David Lau: remove
18:28
David Lau: the
18:28
David Lau: commission,
18:28
David Lau: you
18:28
David Lau: probably
18:29
David Lau: remove
18:29
David Lau: those
18:29
David Lau: problems.
18:30
David Lau: So
18:30
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18:31
David Lau: one
18:31
David Lau: being
18:31
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18:32
David Lau: You
18:32
David Lau: know,
18:32
David Lau: so
18:33
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18:33
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18:33
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18:33
David Lau: lockup
18:34
David Lau: period,
18:34
David Lau: you
18:34
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18:35
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18:35
David Lau: you
18:35
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18:35
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18:35
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18:35
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18:36
David Lau: in
18:36
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18:36
David Lau: Well,
18:36
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18:37
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18:37
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18:37
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18:38
David Lau: carrier
18:38
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18:38
David Lau: recoup
18:39
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18:39
David Lau: commission,
18:39
David Lau: they
18:40
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18:40
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18:40
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18:41
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18:41
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18:41
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18:41
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18:42
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18:42
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18:43
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18:43
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18:43
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18:43
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18:43
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18:43
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18:44
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18:44
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18:44
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18:44
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18:45
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18:45
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18:45
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18:46
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18:46
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18:46
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18:46
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18:47
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18:47
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18:47
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18:47
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18:47
David Lau: client's
18:47
David Lau: assets.
18:49
David Lau: If
18:49
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18:49
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18:49
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18:49
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18:50
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18:50
David Lau: product,
18:50
David Lau: you
18:50
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18:50
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18:51
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18:51
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18:51
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18:52
David Lau: So
18:52
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18:52
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18:53
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18:53
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18:53
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18:54
David Lau: Surrender
18:55
David Lau: periods.
18:55
David Lau: Now
18:56
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18:56
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18:56
David Lau: products,
18:57
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18:57
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18:57
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18:57
David Lau: to
18:57
David Lau: have
18:58
David Lau: some
18:58
David Lau: incentive
18:59
David Lau: to
18:59
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18:59
David Lau: duration
18:59
David Lau: like
19:00
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19:00
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19:00
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19:00
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19:00
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19:01
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19:01
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19:01
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19:01
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19:01
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19:02
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19:02
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19:02
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19:02
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19:03
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19:03
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19:03
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19:03
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19:03
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19:04
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19:04
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19:04
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19:04
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19:04
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19:05
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19:06
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19:06
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19:06
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19:06
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19:06
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19:07
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19:08
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19:08
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19:08
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19:08
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19:08
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19:09
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19:09
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19:09
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19:10
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19:10
David Lau: Meaning
19:11
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19:11
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19:12
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19:12
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19:13
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19:13
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19:13
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19:13
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19:14
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19:14
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19:14
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19:14
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19:15
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19:15
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19:15
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19:15
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19:15
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19:16
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19:16
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19:16
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19:17
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19:17
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19:17
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19:18
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19:18
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19:18
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19:18
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19:18
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19:19
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19:19
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19:19
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19:20
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19:20
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19:20
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19:20
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19:20
David Lau: The
19:21
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19:21
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19:21
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19:21
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19:21
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19:22
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19:23
David Lau: to
19:23
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19:23
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19:23
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19:23
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19:23
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19:24
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19:24
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19:25
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19:25
David Lau: up,
19:25
David Lau: you
19:25
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19:25
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19:26
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19:26
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19:26
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19:26
David Lau: You
19:26
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19:27
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19:27
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19:27
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19:27
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19:28
David Lau: So
19:29
David Lau: the.
19:30
David Lau: So
19:30
David Lau: the
19:30
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19:31
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19:32
David Lau: suitable
19:32
David Lau: for
19:33
David Lau: more
19:33
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19:34
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19:34
David Lau: they're
19:34
David Lau: basically
19:35
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19:36
David Lau: you
19:36
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19:36
David Lau: above
19:36
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19:37
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19:37
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19:37
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19:37
David Lau: 'cause
19:38
David Lau: they're
19:38
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19:38
David Lau: retirement
19:38
David Lau: product.
19:39
David Lau: But
19:39
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19:40
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19:40
David Lau: up,
19:41
David Lau: you
19:41
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19:41
David Lau: with,
19:41
David Lau: with
19:41
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19:42
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19:42
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19:42
David Lau: you
19:43
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19:43
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19:43
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19:44
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19:44
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19:44
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19:45
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19:45
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19:45
David Lau: so
19:45
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19:46
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19:46
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19:46
David Lau: to
19:46
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19:46
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19:46
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19:47
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19:47
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19:48
David Lau: you
19:48
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19:48
David Lau: you
19:48
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19:48
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19:48
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19:49
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19:49
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19:49
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19:49
David Lau: your
19:49
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19:50
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19:51
David Lau: You
19:51
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19:51
David Lau: always
19:51
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19:51
David Lau: you
19:52
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19:52
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19:52
David Lau: money
19:52
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19:53
David Lau: of,
19:53
David Lau: you
19:53
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19:53
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19:53
David Lau: of
19:53
David Lau: the
19:53
David Lau: product.
19:54
David Lau: You
19:54
David Lau: know,
19:55
David Lau: generally
19:55
David Lau: without
19:55
David Lau: issue.
19:58
Ryan: Really
19:58
Ryan: glad
19:58
Ryan: you
19:58
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19:59
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19:59
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19:59
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20:00
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20:00
Ryan: cause
20:00
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20:00
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20:01
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20:01
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20:01
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20:03
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20:03
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20:04
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20:04
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20:05
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20:05
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20:05
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20:06
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20:06
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20:06
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20:07
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20:07
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20:07
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20:08
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20:09
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20:10
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20:10
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20:11
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20:11
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20:11
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20:11
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20:12
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20:12
Ryan: another
20:12
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20:13
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20:13
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20:13
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20:14
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20:14
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20:14
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20:15
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20:15
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20:16
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20:16
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20:16
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20:16
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20:16
Ryan: clients
20:16
Ryan: It's
20:18
David Lau: Yes.
20:18
David Lau: And,
20:19
David Lau: and,
20:19
David Lau: and
20:19
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20:19
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20:19
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20:20
David Lau: along
20:20
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20:21
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20:21
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20:22
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20:22
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20:23
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20:23
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20:23
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20:24
David Lau: you
20:25
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20:25
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20:25
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20:25
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20:25
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20:25
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20:26
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20:26
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20:27
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20:27
David Lau: How
20:27
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20:27
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20:27
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20:28
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20:28
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20:29
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20:29
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20:29
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20:30
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20:30
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20:30
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20:30
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20:30
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20:30
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20:31
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20:31
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20:31
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20:31
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20:32
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20:32
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20:32
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20:33
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20:33
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20:34
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20:34
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20:34
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20:35
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20:35
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20:35
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20:36
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20:37
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20:37
David Lau: you
20:37
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20:37
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20:38
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20:38
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20:38
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20:39
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20:39
David Lau: good
20:39
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20:39
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20:40
David Lau: Here's
20:40
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20:40
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20:40
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20:41
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20:41
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20:41
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20:41
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20:41
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20:41
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20:42
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20:42
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20:42
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20:43
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20:43
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20:44
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20:44
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20:44
David Lau: the
20:45
David Lau: third
20:45
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20:46
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20:46
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20:46
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20:47
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20:47
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20:47
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20:47
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20:48
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20:48
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20:48
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20:49
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20:50
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20:50
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20:50
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20:50
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20:50
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20:51
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20:51
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20:51
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20:51
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20:52
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20:52
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20:52
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20:52
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20:53
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20:53
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20:53
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20:53
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20:54
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20:54
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20:54
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20:54
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20:54
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20:54
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20:55
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20:56
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20:56
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20:56
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20:56
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20:56
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20:57
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20:57
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20:58
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20:58
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20:58
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20:59
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20:59
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20:59
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21:00
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21:01
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21:01
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21:01
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21:01
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21:02
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21:02
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21:03
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21:03
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21:03
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21:04
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21:05
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21:05
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21:05
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21:06
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21:07
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21:07
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21:07
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21:07
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21:08
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21:08
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21:08
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21:08
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21:08
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21:09
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21:09
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21:09
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21:10
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21:10
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21:10
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21:10
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21:10
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21:11
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21:11
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21:12
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21:12
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21:12
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21:12
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21:13
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21:13
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21:14
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21:14
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21:14
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21:15
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21:15
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21:15
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21:16
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21:16
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21:16
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21:17
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21:17
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21:17
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21:17
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21:18
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21:19
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21:20
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21:20
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21:20
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21:20
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21:20
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21:21
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21:21
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21:21
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21:21
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21:22
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21:22
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21:23
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21:23
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21:23
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21:23
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21:23
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21:23
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21:24
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21:25
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21:25
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21:25
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21:25
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21:25
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21:26
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21:26
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21:26
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21:26
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21:27
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21:27
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21:28
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21:28
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21:29
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21:29
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21:29
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21:30
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21:31
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21:31
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21:31
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21:31
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21:31
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21:32
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21:32
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21:33
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21:33
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21:33
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21:33
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21:34
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21:34
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21:34
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21:34
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21:35
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21:35
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21:36
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21:37
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21:37
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21:37
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21:37
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21:38
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21:38
David Lau: those
21:38
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21:39
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21:39
David Lau: are
21:39
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21:40
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21:40
David Lau: popularity
21:40
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21:41
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21:42
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21:42
David Lau: you
21:42
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21:42
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21:43
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21:43
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21:44
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21:44
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21:44
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21:44
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21:45
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21:45
David Lau: you
21:45
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21:45
David Lau: clients
21:46
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21:46
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21:47
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21:47
David Lau: risk
21:48
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21:48
David Lau: worry
21:48
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21:48
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21:49
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21:51
Ryan: Yeah
21:52
Ryan: very
21:52
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21:52
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21:53
Ryan: What
21:53
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21:53
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21:53
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21:54
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21:54
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21:55
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21:55
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21:55
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21:56
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21:56
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21:56
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21:56
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21:56
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21:57
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21:58
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21:58
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21:59
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21:59
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21:59
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21:59
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21:59
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22:00
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22:00
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22:00
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22:01
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22:02
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22:02
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22:03
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22:03
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22:04
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22:04
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22:04
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22:05
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22:05
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22:05
Ryan: clients
22:07
David Lau: I
22:07
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22:07
David Lau: I
22:07
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22:08
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22:08
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22:08
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22:08
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22:09
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22:09
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22:09
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22:09
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22:10
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22:10
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22:10
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22:10
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22:11
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22:11
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22:11
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22:11
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22:11
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22:11
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22:12
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22:12
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22:13
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22:13
David Lau: you
22:13
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22:13
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22:14
David Lau: for
22:14
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22:14
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22:15
David Lau: So,
22:15
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22:16
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22:16
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22:16
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22:17
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22:17
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22:17
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22:17
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22:17
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22:17
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22:17
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22:18
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22:18
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22:18
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22:19
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22:19
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22:20
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22:20
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22:21
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22:21
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22:21
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22:22
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22:22
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22:22
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22:23
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22:23
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22:24
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22:24
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22:24
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22:24
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22:25
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22:26
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22:26
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22:26
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22:26
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22:26
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22:27
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22:27
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22:27
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22:28
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22:28
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22:28
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22:28
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22:29
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22:29
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22:29
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22:29
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22:30
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22:30
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22:30
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22:31
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22:31
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22:31
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22:32
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22:32
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22:32
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22:33
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22:33
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22:33
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22:34
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22:34
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22:34
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22:35
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22:36
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22:36
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22:36
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22:36
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22:37
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22:37
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22:37
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22:38
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22:38
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22:38
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22:38
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22:39
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22:40
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22:40
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22:40
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22:41
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22:41
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22:41
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22:42
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22:42
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22:42
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22:43
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22:43
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22:44
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22:44
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22:44
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22:44
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22:45
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22:45
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22:45
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22:46
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22:46
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22:46
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22:47
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22:47
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22:47
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22:48
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22:48
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22:49
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22:49
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22:49
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22:50
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22:50
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22:50
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22:51
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22:51
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22:52
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22:52
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22:52
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22:53
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22:53
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22:53
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22:53
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22:54
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22:55
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22:55
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22:55
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22:56
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22:56
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22:56
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22:57
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22:57
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22:57
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22:58
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22:58
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22:58
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22:58
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22:59
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22:59
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23:00
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23:00
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23:00
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23:00
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23:01
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23:01
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23:01
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23:01
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23:01
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23:02
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23:02
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23:02
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23:03
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23:03
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23:03
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23:03
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23:04
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23:04
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23:04
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23:04
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23:04
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23:05
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23:05
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23:06
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23:06
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23:06
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23:07
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23:08
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23:08
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23:08
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23:08
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23:09
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23:09
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23:10
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23:11
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23:11
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23:12
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23:13
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23:13
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23:13
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23:14
David Lau: 'cause
23:15
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23:15
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23:15
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23:16
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23:16
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23:16
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23:16
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23:17
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23:17
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23:18
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23:18
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23:18
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23:19
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23:19
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23:19
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23:19
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23:20
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23:21
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23:21
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23:21
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23:21
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23:22
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23:22
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23:22
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23:23
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23:23
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23:23
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23:23
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23:24
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23:24
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23:25
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23:26
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23:27
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23:27
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23:27
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23:27
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23:28
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23:28
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23:28
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23:29
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23:29
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23:29
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23:30
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23:30
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23:30
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23:31
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23:31
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23:31
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23:31
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23:31
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23:32
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23:32
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23:32
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23:33
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23:33
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23:33
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23:34
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23:34
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23:34
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23:35
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23:35
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23:35
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23:36
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23:36
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23:36
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23:37
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23:37
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23:37
David Lau: And
23:37
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23:38
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23:38
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23:38
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23:38
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23:38
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23:39
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23:39
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23:39
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23:39
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23:40
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23:40
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23:40
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23:40
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23:40
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23:41
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23:41
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23:41
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23:41
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23:42
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23:42
David Lau: we
23:42
David Lau: make
23:42
David Lau: it
23:42
David Lau: super
23:43
David Lau: simple,
23:43
David Lau: but
23:44
David Lau: those,
23:44
David Lau: that's
23:44
David Lau: another,
23:45
David Lau: you
23:45
David Lau: know,
23:45
David Lau: big
23:45
David Lau: use
23:45
David Lau: case
23:46
David Lau: we
23:46
David Lau: see.
23:48
Ryan: We
23:48
Ryan: will
23:48
Ryan: have
23:49
Ryan: you
23:49
Ryan: back
23:49
Ryan: on
23:49
Ryan: David
23:50
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23:50
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23:50
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23:51
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23:51
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23:51
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23:53
David Lau: Yes.
23:54
Ryan: So
23:55
Ryan: let
23:56
Ryan: so
23:56
Ryan: far
23:56
Ryan: this
23:56
Ryan: conversation's
23:57
Ryan: been
23:57
Ryan: fantastic
23:58
Ryan: talking
23:58
Ryan: about
23:59
Ryan: really
23:59
Ryan: the
23:59
Ryan: benefits
24:01
Ryan: annuities
24:02
Ryan: and
24:02
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24:02
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24:03
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24:03
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24:05
Ryan: end
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Ryan: investor
24:06
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24:06
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24:06
Ryan: financial
24:07
Ryan: advisors
24:08
Ryan: clients
24:09
Ryan: Let's
24:09
Ryan: talk
24:10
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Ryan: little
24:10
Ryan: bit
24:10
Ryan: about
24:11
Ryan: what's
24:12
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24:12
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Ryan: the
24:12
Ryan: Financial
24:13
Ryan: Advisor
24:13
Ryan: Advisory
24:13
Ryan: Practice
24:15
Ryan: How
24:15
Ryan: can
24:16
Ryan: zero
24:17
Ryan: commission
24:17
Ryan: or
24:18
Ryan: commission
24:18
Ryan: free
24:19
Ryan: annuities
24:20
Ryan: help
24:20
Ryan: transform
24:21
Ryan: Of
24:21
Ryan: financial
24:22
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24:23
Ryan: practice
24:23
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24:24
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24:24
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24:25
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24:25
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24:26
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24:27
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24:27
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24:27
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24:27
Ryan: competitors
24:28
Ryan: It's
24:28
Ryan: very
24:29
Ryan: competitive
24:29
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24:30
Ryan: How
24:30
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24:30
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24:30
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24:31
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24:31
Ryan: practice
24:32
David Lau: Yeah,
24:32
David Lau: there's,
24:33
David Lau: there's
24:33
David Lau: a
24:33
David Lau: few
24:33
David Lau: ways,
24:33
David Lau: and
24:34
David Lau: that's
24:34
David Lau: a
24:34
David Lau: great
24:34
David Lau: question.
24:35
David Lau: So,
24:35
David Lau: you
24:35
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24:36
David Lau: number
24:36
David Lau: one,
24:37
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24:37
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24:37
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24:37
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24:37
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24:38
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24:38
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24:38
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24:38
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24:39
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24:39
David Lau: them
24:39
David Lau: proactively
24:40
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24:41
David Lau: new
24:41
David Lau: prospects
24:42
David Lau: because
24:43
David Lau: there,
24:43
David Lau: there
24:43
David Lau: aren't
24:44
David Lau: very,
24:44
David Lau: there
24:45
David Lau: aren't
24:45
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24:45
David Lau: many
24:46
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24:46
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24:46
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24:47
David Lau: you
24:47
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24:48
David Lau: Point
24:48
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24:49
David Lau: tangible
24:49
David Lau: differentiation.
24:51
David Lau: So
24:51
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24:51
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24:51
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24:52
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24:52
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24:52
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24:52
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24:52
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24:52
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24:53
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24:53
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24:53
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24:54
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24:54
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24:54
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24:54
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24:54
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24:55
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24:55
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24:55
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24:56
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24:56
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24:56
David Lau: really
24:57
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24:57
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24:57
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24:57
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24:57
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24:57
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24:58
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24:58
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24:58
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24:58
David Lau: annuity
24:59
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24:59
David Lau: that
24:59
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24:59
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25:00
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25:00
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25:00
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25:00
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25:00
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25:00
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25:01
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25:01
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25:01
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25:01
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25:01
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25:01
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25:02
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25:02
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25:03
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25:03
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25:03
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25:03
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25:03
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25:04
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25:04
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25:04
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25:04
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25:05
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25:05
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25:05
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25:05
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25:06
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25:06
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25:06
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25:06
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25:07
David Lau: We
25:07
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25:07
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25:07
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25:08
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25:08
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25:08
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25:08
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25:08
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25:09
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25:09
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25:09
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25:09
David Lau: and
25:10
David Lau: then
25:10
David Lau: we
25:10
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25:10
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25:12
David Lau: You
25:12
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25:12
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25:12
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25:12
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25:12
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25:12
David Lau: advisor,
25:13
David Lau: now
25:13
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25:13
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25:14
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25:14
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25:15
David Lau: a
25:15
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25:15
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25:15
David Lau: you're,
25:16
David Lau: you're
25:16
David Lau: delivering
25:16
David Lau: tangible
25:17
David Lau: value.
25:18
David Lau: That
25:18
David Lau: that's
25:18
David Lau: one
25:18
David Lau: way
25:19
David Lau: and,
25:19
David Lau: and
25:20
David Lau: the
25:20
David Lau: other
25:20
David Lau: big
25:20
David Lau: way,
25:20
David Lau: which
25:21
David Lau: we
25:21
David Lau: see,
25:21
David Lau: you
25:22
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25:22
David Lau: helps,
25:23
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25:23
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25:23
David Lau: the
25:23
David Lau: general
25:24
David Lau: trend
25:24
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25:24
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25:25
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25:25
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25:25
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25:26
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25:27
David Lau: You
25:27
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25:27
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25:27
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25:28
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25:29
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25:29
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25:30
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25:30
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25:30
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25:31
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25:31
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25:31
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25:31
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25:32
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25:32
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25:32
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25:32
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25:33
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25:33
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25:34
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25:34
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25:35
David Lau: Have
25:35
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25:35
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25:36
David Lau: you
25:36
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25:36
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25:36
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25:37
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25:38
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25:39
David Lau: And
25:39
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25:39
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25:39
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25:40
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25:40
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25:40
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25:41
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25:41
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25:41
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25:41
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25:42
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25:43
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25:43
David Lau: or
25:43
David Lau: annuities.
25:44
David Lau: And
25:45
David Lau: it,
25:45
David Lau: it
25:45
David Lau: allows
25:46
David Lau: that
25:46
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25:46
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25:47
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25:47
David Lau: you
25:47
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25:48
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25:48
David Lau: everything
25:49
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25:49
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25:49
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25:50
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25:50
David Lau: And
25:51
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25:51
David Lau: the
25:51
David Lau: way
25:51
David Lau: we
25:52
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25:52
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25:52
David Lau: that
25:53
David Lau: is
25:53
David Lau: one
25:53
David Lau: we've
25:54
David Lau: got.
25:54
David Lau: Obviously
25:55
David Lau: the
25:55
David Lau: products
25:55
David Lau: and
25:55
David Lau: tools
25:56
David Lau: to
25:56
David Lau: support
25:57
David Lau: that
25:57
David Lau: business
25:57
David Lau: going
25:57
David Lau: forward.
25:58
David Lau: But
25:58
David Lau: we
25:58
David Lau: can
25:59
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25:59
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25:59
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25:59
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26:00
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26:00
David Lau: your,
26:00
David Lau: your
26:00
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26:01
David Lau: business
26:01
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26:02
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26:02
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26:03
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26:03
David Lau: you
26:03
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26:03
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26:04
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26:04
David Lau: products.
26:05
David Lau: And
26:05
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26:05
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26:06
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26:06
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26:06
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26:06
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26:07
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26:07
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26:07
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26:07
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26:08
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26:08
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26:09
David Lau: you're
26:09
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26:10
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26:10
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26:10
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26:10
David Lau: those
26:11
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26:11
David Lau: You
26:11
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26:11
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26:11
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26:11
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26:12
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26:12
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26:12
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26:12
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26:13
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26:13
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26:13
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26:13
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26:13
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26:13
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26:14
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26:14
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26:14
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26:15
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26:15
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26:15
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26:15
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26:15
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26:16
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26:16
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26:16
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26:17
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26:17
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26:17
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26:18
David Lau: your,
26:18
David Lau: you
26:18
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26:18
David Lau: your
26:18
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26:19
David Lau: is.
26:19
David Lau: And
26:20
David Lau: then
26:20
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26:20
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26:20
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26:20
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26:20
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26:21
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26:21
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26:21
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26:21
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26:22
David Lau: you
26:22
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26:22
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26:22
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26:22
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26:23
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26:24
David Lau: You
26:24
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26:24
David Lau: multiples
26:25
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26:25
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26:25
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26:26
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26:26
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26:26
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26:26
David Lau: valuation
26:27
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26:27
David Lau: your
26:27
David Lau: practice,
26:28
David Lau: you're
26:28
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26:28
David Lau: to
26:28
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26:29
David Lau: a
26:29
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26:29
David Lau: better
26:29
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26:30
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26:30
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26:30
David Lau: that,
26:31
David Lau: you
26:31
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26:31
David Lau: fee-based
26:32
David Lau: revenue
26:32
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26:33
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26:33
David Lau: those
26:33
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26:34
David Lau: rather
26:34
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26:34
David Lau: the
26:34
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26:35
David Lau: trail.
26:37
Ryan: David
26:38
Ryan: that
26:38
Ryan: is
26:38
Ryan: perfect
26:39
Ryan: segue
26:39
Ryan: into
26:40
Ryan: the
26:40
Ryan: next
26:40
Ryan: topic
26:41
Ryan: I'm
26:41
Ryan: gonna
26:41
Ryan: talk
26:41
Ryan: about
26:41
Ryan: one
26:42
Ryan: of
26:42
Ryan: the
26:43
Ryan: topics
26:44
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26:44
Ryan: wealth
26:44
Ryan: management
26:44
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26:45
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26:45
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26:46
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26:46
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26:46
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26:46
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26:47
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26:47
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26:48
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26:49
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26:49
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26:50
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26:51
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26:51
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26:51
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26:52
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26:52
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26:53
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26:53
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26:53
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26:53
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26:54
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26:55
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26:56
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26:56
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26:56
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26:56
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26:57
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26:57
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26:58
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26:58
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26:59
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26:59
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26:59
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26:59
Ryan: advisor
27:00
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27:00
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27:01
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27:01
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27:02
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27:03
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27:03
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27:03
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27:03
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27:04
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27:04
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27:05
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27:05
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27:05
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27:06
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27:06
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27:07
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27:07
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27:08
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27:08
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27:08
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27:08
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27:08
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27:09
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27:09
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27:09
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27:09
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27:10
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27:10
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27:11
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27:11
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27:11
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27:11
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27:12
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27:12
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27:12
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27:13
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27:13
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27:14
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27:15
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27:15
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27:16
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27:16
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27:17
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27:17
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27:17
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27:18
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27:18
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27:19
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27:19
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27:21
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27:21
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27:21
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27:22
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27:22
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27:23
David Lau: It,
27:23
David Lau: it
27:23
David Lau: definitely
27:23
David Lau: still
27:24
David Lau: exists,
27:24
David Lau: right?
27:24
David Lau: So
27:24
David Lau: we
27:25
David Lau: can
27:25
David Lau: help
27:25
David Lau: with
27:25
David Lau: that
27:25
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27:26
David Lau: you
27:26
David Lau: know,
27:26
David Lau: for
27:27
David Lau: sure.
27:27
David Lau: But
27:27
David Lau: it
27:28
David Lau: still
27:28
David Lau: exists
27:28
David Lau: in
27:28
David Lau: a
27:28
David Lau: couple
27:29
David Lau: of
27:29
David Lau: different
27:29
David Lau: ways.
27:30
David Lau: So
27:30
David Lau: one,
27:31
David Lau: if
27:31
David Lau: you're
27:31
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27:31
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27:32
David Lau: and
27:32
David Lau: you're
27:32
David Lau: thinking
27:32
David Lau: about
27:33
David Lau: going
27:33
David Lau: independent,
27:34
David Lau: you
27:34
David Lau: know,
27:34
David Lau: many
27:35
David Lau: of
27:35
David Lau: those
27:35
David Lau: acquirers,
27:36
David Lau: aggregators,
27:37
David Lau: whatever
27:37
David Lau: their,
27:37
David Lau: you
27:38
David Lau: know,
27:38
David Lau: business
27:38
David Lau: model
27:38
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27:38
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27:39
David Lau: you
27:39
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27:39
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27:39
David Lau: you
27:39
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27:40
David Lau: a
27:40
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27:40
David Lau: number
27:40
David Lau: of
27:41
David Lau: annuities,
27:41
David Lau: you
27:41
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27:41
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27:41
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27:42
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27:42
David Lau: them,
27:43
David Lau: right?
27:43
David Lau: So
27:43
David Lau: you're
27:43
David Lau: already
27:43
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27:44
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27:44
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27:44
David Lau: You
27:45
David Lau: know,
27:45
David Lau: the,
27:45
David Lau: you
27:45
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27:45
David Lau: the
27:46
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27:46
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27:46
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27:47
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27:47
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27:47
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27:47
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27:48
David Lau: in
27:48
David Lau: you.
27:49
David Lau: Secondly,
27:49
David Lau: as
27:49
David Lau: I
27:50
David Lau: was
27:50
David Lau: just
27:50
David Lau: talking
27:50
David Lau: about,
27:51
David Lau: they're
27:51
David Lau: going
27:51
David Lau: to
27:52
David Lau: value
27:52
David Lau: those
27:52
David Lau: annuities
27:53
David Lau: differently
27:53
David Lau: than
27:53
David Lau: the
27:54
David Lau: rest
27:54
David Lau: of
27:54
David Lau: your
27:54
David Lau: business.
27:55
David Lau: So,
27:55
David Lau: you
27:55
David Lau: know,
27:56
David Lau: while
27:56
David Lau: the
27:56
David Lau: rest
27:56
David Lau: of
27:56
David Lau: your
27:56
David Lau: business,
27:57
David Lau: they
27:57
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27:57
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27:57
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27:58
David Lau: it
27:58
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27:58
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27:58
David Lau: Hey,
27:58
David Lau: you're,
27:58
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27:59
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27:59
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28:09
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28:15
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28:28
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29:19
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29:37
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31:44
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31:48
David Lau: Hey,
31:49
David Lau: we,
31:49
David Lau: you
31:49
David Lau: know,
31:49
David Lau: we,
31:49
David Lau: we
31:50
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31:50
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31:50
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31:50
David Lau: the
31:50
David Lau: market
31:51
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31:51
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31:51
David Lau: what,
31:51
David Lau: you
31:51
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31:51
David Lau: see
31:52
David Lau: what's
31:52
David Lau: going
31:52
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31:52
David Lau: see
31:53
David Lau: what
31:53
David Lau: kind
31:53
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31:53
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31:53
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31:53
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31:54
David Lau: You're
31:54
David Lau: gonna
31:54
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31:55
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31:55
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31:55
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31:55
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31:55
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31:56
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31:56
David Lau: right?
31:56
David Lau: I
31:56
David Lau: mean,
31:56
David Lau: you,
31:57
David Lau: you
31:57
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31:57
David Lau: want
31:58
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31:58
David Lau: you
31:58
David Lau: know,
31:58
David Lau: work
31:58
David Lau: with,
31:59
David Lau: you
31:59
David Lau: know,
31:59
David Lau: a
32:00
David Lau: firm,
32:00
David Lau: whether
32:00
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32:00
David Lau: in,
32:01
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32:01
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32:01
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32:01
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32:02
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32:02
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32:02
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32:03
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32:03
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32:04
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32:04
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32:04
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32:04
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32:05
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32:05
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32:05
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32:06
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32:06
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32:06
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32:06
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32:07
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32:07
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32:07
David Lau: out
32:07
David Lau: there
32:08
David Lau: who
32:08
David Lau: can
32:08
David Lau: kind
32:08
David Lau: of
32:09
David Lau: give
32:09
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32:09
David Lau: coaching
32:09
David Lau: and
32:10
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32:10
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32:10
David Lau: to
32:10
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32:11
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32:11
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32:11
David Lau: you
32:11
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32:11
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32:11
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32:11
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32:12
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32:12
David Lau: the
32:12
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32:13
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32:13
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32:13
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32:13
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32:13
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32:13
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32:14
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32:14
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32:14
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32:15
David Lau: You
32:15
David Lau: know,
32:15
David Lau: you
32:15
David Lau: should
32:15
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32:15
David Lau: very
32:16
David Lau: purposeful
32:16
David Lau: about
32:16
David Lau: it.
32:17
David Lau: It's
32:17
David Lau: a,
32:17
David Lau: it,
32:18
David Lau: it's
32:18
David Lau: probably
32:18
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32:18
David Lau: one-time
32:19
David Lau: decision
32:19
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32:20
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32:20
David Lau: a
32:20
David Lau: big
32:20
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32:21
David Lau: So,
32:21
David Lau: so,
32:22
David Lau: you
32:22
David Lau: know,
32:22
David Lau: be,
32:23
David Lau: be
32:23
David Lau: prepared.
32:25
Ryan: Wow
32:26
Ryan: David
32:26
Ryan: fantastic
32:27
Ryan: conversation
32:28
Ryan: Really
32:29
Ryan: good
32:29
Ryan: I
32:30
Ryan: hope
32:30
Ryan: all
32:30
Ryan: those
32:30
Ryan: people
32:31
Ryan: when
32:31
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32:31
Ryan: opened
32:32
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32:32
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32:32
Ryan: that
32:32
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32:32
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32:33
Ryan: about
32:33
Ryan: annuities
32:34
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32:34
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32:34
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32:35
Ryan: because
32:35
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32:35
Ryan: definitely
32:36
Ryan: got
32:36
Ryan: some
32:36
Ryan: value
32:37
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32:37
Ryan: it
32:37
Ryan: I
32:37
Ryan: know
32:37
Ryan: I
32:38
Ryan: did
32:38
Ryan: Really
32:39
Ryan: interesting
32:39
Ryan: conversation
32:40
Ryan: and
32:40
Ryan: I
32:40
Ryan: think
32:41
Ryan: that
32:41
Ryan: innovations
32:42
Ryan: here
32:42
Ryan: it's
32:43
Ryan: gonna
32:43
Ryan: keep
32:43
Ryan: more
32:44
Ryan: people
32:44
Ryan: interested
32:45
Ryan: in
32:47
Ryan: keep
32:47
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32:47
Ryan: door
32:47
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32:48
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32:48
Ryan: have
32:48
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32:48
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32:49
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32:49
Ryan: least
32:49
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32:49
Ryan: should
32:50
Ryan: It
32:50
Ryan: should
32:51
David Lau: Yes.
32:52
David Lau: I
32:52
David Lau: mean,
32:52
David Lau: again,
32:52
David Lau: we
32:53
David Lau: think
32:53
David Lau: we
32:53
David Lau: remove
32:53
David Lau: the
32:54
David Lau: conflicts.
32:54
David Lau: You
32:54
David Lau: remove
32:55
David Lau: that
32:55
David Lau: commission,
32:55
David Lau: you
32:55
David Lau: remove
32:56
David Lau: lots
32:56
David Lau: of
32:56
David Lau: the
32:56
David Lau: conflicts.
32:57
David Lau: Now
32:57
David Lau: you've
32:58
David Lau: just
32:58
David Lau: got
32:58
David Lau: a,
32:59
David Lau: a
32:59
David Lau: low
32:59
David Lau: cost,
33:00
David Lau: valuable
33:00
David Lau: product
33:01
David Lau: structure
33:01
David Lau: that
33:02
David Lau: can
33:02
David Lau: be
33:02
David Lau: used
33:02
David Lau: in
33:02
David Lau: many
33:03
David Lau: different
33:03
David Lau: ways
33:03
David Lau: to
33:03
David Lau: benefit
33:04
David Lau: clients.
33:06
Ryan: Great
33:06
Ryan: Thank
33:07
Ryan: you
33:07
Ryan: so
33:07
Ryan: much
33:07
Ryan: David
33:08
Ryan: for
33:08
Ryan: coming
33:08
Ryan: on
33:08
Ryan: the
33:08
Ryan: show
33:09
Ryan: Really
33:09
Ryan: an
33:09
Ryan: honor
33:10
Ryan: to
33:10
Ryan: have
33:10
Ryan: you
33:10
Ryan: on
33:10
Ryan: Fun
33:11
Ryan: conversation
33:11
Ryan: A
33:11
Ryan: lot
33:12
Ryan: of
33:12
Ryan: great
33:12
Ryan: insight
33:13
Ryan: Where
33:13
Ryan: can
33:13
Ryan: our
33:13
Ryan: audience
33:14
Ryan: get
33:14
Ryan: more
33:14
Ryan: information
33:15
Ryan: about
33:15
Ryan: DPL
33:16
Ryan: Financial
33:17
Ryan: partners
33:19
David Lau: Just
33:19
David Lau: go
33:19
David Lau: to
33:19
David Lau: our
33:19
David Lau: website,
33:20
David Lau: D-P-L-F-P
33:23
David Lau: as,
33:23
David Lau: as
33:23
David Lau: in
33:24
David Lau: DPL
33:24
David Lau: Financial
33:25
David Lau: Partners
33:25
David Lau: and
33:26
David Lau: you'll,
33:26
David Lau: you'll
33:27
David Lau: be
33:27
David Lau: able
33:27
David Lau: to,
33:27
David Lau: you
33:27
David Lau: know,
33:28
David Lau: get
33:28
David Lau: in
33:28
David Lau: contact
33:29
David Lau: with
33:29
David Lau: us
33:29
David Lau: through
33:29
David Lau: the
33:29
David Lau: website
33:30
David Lau: register
33:31
David Lau: with
33:31
David Lau: the
33:31
David Lau: website,
33:32
David Lau: you
33:32
David Lau: know,
33:32
David Lau: connect
33:32
David Lau: with
33:32
David Lau: one
33:32
David Lau: of
33:32
David Lau: our
33:33
David Lau: consultants.
33:33
David Lau: We've
33:34
David Lau: got
33:34
David Lau: a
33:34
David Lau: team
33:34
David Lau: of,
33:35
David Lau: you
33:35
David Lau: know,
33:35
David Lau: more
33:35
David Lau: than
33:35
David Lau: 40
33:36
David Lau: consultants
33:36
David Lau: who
33:36
David Lau: really
33:37
David Lau: work
33:37
David Lau: with
33:37
David Lau: advisors,
33:38
David Lau: you
33:38
David Lau: know,
33:39
David Lau: both
33:39
David Lau: on,
33:39
David Lau: on
33:40
David Lau: the
33:40
David Lau: business
33:40
David Lau: and
33:40
David Lau: product
33:41
David Lau: issues
33:41
David Lau: of
33:41
David Lau: integrating
33:42
David Lau: commission
33:43
David Lau: free
33:43
David Lau: insurance.
33:45
Ryan: Fantastic
33:46
Ryan: David
33:47
Ryan: Thank
33:47
Ryan: you
33:47
Ryan: everyone
33:48
Ryan: for
33:48
Ryan: listening
33:48
Ryan: to
33:48
Ryan: this
33:49
Ryan: episode
33:49
Ryan: of
33:49
Ryan: zephyr's
33:50
Ryan: Just
33:51
Ryan: for
33:51
Ryan: Risk
33:51
Ryan: podcast
33:52
Ryan: You
33:52
Ryan: can
33:52
Ryan: watch
33:52
Ryan: all
33:52
Ryan: of
33:52
Ryan: our
33:53
Ryan: Other
33:53
Ryan: episodes
33:54
Ryan: on
33:54
Ryan: the
33:54
Ryan: Zephyr
33:55
Ryan: YouTube
33:55
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33:56
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33:56
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33:56
Ryan: Spotify
33:57
Ryan: Please
33:57
Ryan: be
33:58
Ryan: sure
33:58
Ryan: to
33:58
Ryan: like
33:59
Ryan: and
33:59
Ryan: subscribe
33:59
Ryan: to
33:59
Ryan: those
34:00
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34:03
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34:04
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34:04
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34:04
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Ryan: have
34:05
Ryan: a
34:05
Ryan: great
34:05
Ryan: rest
34:05
Ryan: of
34:05
Ryan: your
34:05
Ryan: week