I can imagine the risk factors in the prospectus. Our coach may make really stupid calls late in the game. Our unvaccinated quarterback may become seriously ill. Our star wide receiver may not renew his contract.
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Net 54-- the discussion board where people resent discussions. 
My avatar is a sketch by my son who is an art school graduate. Some of his sketches and paintings are at
https://www.jamesspaethartwork.com/
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