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Continue to ChatAnytime anybody offers you anything with a big commission and a 200-page prospectus, don't buy it. Occasionally, you'll be wrong if you adopt "Munger's Rule." However, over a lifetime, you'll be a long way ahead - and you will miss a lot of unhappy experiences. - Charlie Munger from https://whatsmyquote.com/quote/anytime-anybody-offers-you-anything-with-a-big-commission-and-a-200-page-prospectus-don-t-buy-it-occasionally