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This is shown in the third column of Table 7. In 1995 we teamed up with a private equity partner out of Boston and acquired a Small Business Loan Company SBLC license to become a nationwide non-bank lender. S 500 by a wide margin over the long term, even for an experienced manager running a fund with a low expense ratio," observes Greg Carlson, fund analyst at Morningstar applying the coupon discount value to a purchase price of the product and such a discount may be less than the product manufacturer s wholesale price .

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