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What has changed significantly in the last 5 years?

  1. Privacy laws have eroded our ability to protect our personal affairs

  2. Tax laws have become even more complicated… hiding easy to do tax reductions from the average tax payer

  3. Health insurance and medical coverage has become a complicated and arduous endeavor

  4. Banks and Financial institutions have instituted actions to protect themselves… things that can actually hurt the unknowing custome
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