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On timing, nobody has a perfect answer. We are now in a period of high anxiety, fear and lack of confidence. Prices are very low, but as always, they could go lower. 

Our pharmaceutical companies also had a tough year. They were able to maintain their profitability, but there seem to be very few new blockbuster drugs in the pipeline. 

The years 2000 and 2001 were not easy years for investors in general.  After a long run of economic growth, the tide took a downturn. 

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