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A clarifying response
Michael,
I was responding to Frank Covino's formula which I questioned based on my experience and the teachings of Frank Reilly (which I was fortunate to study under John Murray, a former Reilly student).
Tito,
As a teacher of all levels of students I would caution between following formulas as opposed to understanding basic truths as your guiding light. Formulas are limiting while the truth shall set you free (I know I've heard that somewhere).
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