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I had the pleasure recently of being referred by a friend to review a program that is important to me financially, especially in these economic times. When I was first approached, I had little interest in even talking about it, but, because it is worthwhile and important, I recommend that you take the opportunity to hear about this program, also. Make up your own mind, naturally, but it is my sincere belief you will find the short period of time it takes to be time well spent. Sincerely, Jim and Linda Beattie Http://www.iLivingapp.com/jameslindabeattie