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from mutual fund forcasting sheet: (using 1998 seasonalities) ie. pre-holiday% & month-end * buy on sell on %* dec 29 jan 8 %jan 14 jan 16 *jan 28 feb 6 %feb 11 feb 13 *feb 25 mar 6 %*mar 30 apr 9 *apr 28 may 7 *may 27 june 5 %*june 29 july 8 mike