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FYI: Mutual funds keep creeping lower. That's good for investors, especially anyone investing for retirement. The average annual fee for target-date funds was 0.65% as of Dec. 14, according to Brooks Herman, head of data and research for financial information company BrightScope. Regards, Ted http://license.icopyright.net/user/viewFreeUse.act?fuid=MTkzMTgxNjY=