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One of my reps came in the afternoon and asked how to handle Middlesex account. I explained over and over again that she needed to get them into Plus Srevice Account program and balance their biotech stocks with something more stable, like munis, but she just wasn't getting it. She kept saying that the client wanted growth funds. I kept saying that they didn't understand the advantages of Plus Service Account and besides, if market dipped, they would be all over us for not covering their risk.