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Morningstar, Inc. is a trusted source for insightful information on stocks, mutual funds, variable annuities, closed-end funds, exchange-traded funds, separate accounts, hedge funds, and 529 college savings plans. Morningstar offers an extensive line of Internet, software, and print-based products for individual investors, financial advisors, and institutional clients, as well as investment consulting and retirement planning services through Morningstar Associates, LLC and Ibbotson Associates; registered investment advisors and wholly owned subsidiaries of Morningstar, Inc. Visit Morningstar.com.