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The stock market has been volatile this past year. And as 2012 comes to an end, some of your residents may be assessing their portfolios. Some may have experienced significant reductions in the value of their stock portfolio and may be asking for interim recertifications. Others may have had the benefit of a positive swing in their portfolio's value or are enjoying more household income from dividends that cash-rich companies have increased as they've become more confident in the economy.
