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| em> Results Reflect Commitment to Customer Satisfaction |
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| Average Fund Returns 7.4 Percent for the Year; Equities and Real Estate Far Outstrip Fixed Income Performance |
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| Accolade Highlights Exceptional Customer Service,
Continued Product Enhancement and Market Growth |
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| Hedge Fund Risk Management Also Cited as Ongoing Focus |
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| Units Revamped; Key Executives Promoted |
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