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They have Welch-Allyn and Littmann reps come to the school in September-ish, and I'd say the majority of people buy their instruments through them.

And IMO much of the cultural downfall of the last several decades is due to this trend.

However, I suspect that you're shooting for a score in the 30's and not a 45, so that's ok.

- Head scribe at a Faith based local free clinic It gives a lot more control and doesn't require learning a bunch of new recipes or denying yourself carbs.

The other part using you do go into bonds and aren't doing total bond funds (or buying muni's/zero stripes direct), an actively managed bond fund is useful?