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FYI: International stock funds in the past 15 years have outperformed the broad U.S. stock market as measured by the S&P 500. Much of the outperformance by international funds was picked up during the period from the market low in 2003 and the market top in 2007. Regards, Ted http://license.icopyright.net/user/viewFreeUse.act?fuid=MTkzMTgxNzQ=