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Zero destroys existing business models such as life insurance company balance sheets and pension funds, which in turn are expected to use the proceeds to pay benefits for an aging boomer society, these assumed liabilities were based on the assumption that a balanced portfolio of stocks and bonds would return 7-8 percent over the long term.

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    Quiz

    Are you a quotes master?

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    "Toto, I've got a feeling we're not in Kansas anymore."
    A The Princess Bride
    B It's a Wonderful Life
    C Willy Wonka & the Chocolate Factory
    D The Wizard of Oz