I am scrolling through the posts and forgot what year it was for a sec. Kept seeing posts from January '20 (thinking that was now) talking about FP and PPO ADR’s and kept thinking “wait…WHAT?!” 
i miss the before times so much 
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Sometimes I see those old posts of people’s genuine and reasonable concerns and worries and I think “Boy, I bet they wish that was a concern now. THAT was the good-old-days.”
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