26-1 President's Message - New Days--New Ways
by Michael R. Sesemann, DDS

For almost a decade, Americans went on a spending spree.  Retirement plans, 401 K's, and bank accounts flourished with or without much management.  Life was good.  Thoughts of fiscal responsibility were far from our minds as the financial sector ballooned with complex instuments meant to keep us confident, but ignorant of their implications.

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