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In the October and November 2014 Newsletter we bought Spartan International Fund as the models suggested.

Then, in the December Newsletter, the models bailed out of the Spartan International Fund.

If we follow the recommendation, we will incur a 1% penalty because of the 89 day holding rule.

Do you think it prudent to go ahead with the December model and pay the 1%, or hold until the

89 days are over?

Thanks, Trae