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First, hot spots: none, look at consumption at the end of the year.Look high and do low.

Second, Tulong: Be low.Second, Tulong: Be low.

[Wealth Theory] 12.10-Look at the high and do low, and look at the consumption at the end of the year.[Wealth Theory] 12.10-Look at the high and do low, and look at the consumption at the end of the year.Third, the theory of wealth: stick to the model and don't regret missing it.