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199                                      Don’t Make Me Say I Told You So




               1  Peter G. Gallanis. NOLHGA, the Life and Health Insurance Guaranty System,
               and the Financial Crisis of 2008–2009. New York: American Bar Association, June
               5, 2009. http://www.nolhga.com/resource/file/NOLHGAAndFincialCrisis.pdf































































                                           Chapter 4: Annuities




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