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Investors expect fund managers to be truthful. When large sums of money are jeopardized it it seems to bring the actual worst. That real nice fund manager turns ideal hungry wolf and the investor becomes one of the 3 little pigs that did not escape.

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On the opposite hand, the response rates for inserts are dramatically reduced than direct mail. A satisfactory response rate used for PIP programs are typically measured in tenths of a particular percent vs. the 2-5 percent return of solo direct messages.