I am a financials type of guy as well Popeye and I noticed what your talking about in the financials, but I attempted to separate, by-and-large, the financials factors when dealing with pennies. Its very unnatural for me, but I'm not sure that financials make a difference here. Perhaps I'm wrong. I would like to be wrong because then I would be able to see a runner in pennyworld much much quicker!
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