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Developing investment portfolios based on factors that have historically led to outperformance or reduced risk.

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The fractional reserve system stimulates lending and economic growth, but carries inherent risks of inflation and financial instability.

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Sharp decline in crude oil price was caused by demand shock from COVID-19 virus. Russia and Saudi Arabia decision to increase production create supply shock which made the oil price fell even further. Saudi Aramco still generate $340 Million per day economic profit at $30 per barrel.

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