. Data is hypothetical and used as an example only. The % withdrawal rate applies for first year only, then increased by inflation $0 $20,000 $40,000 $60,000 $80,000 $100,000 1 3 5 7 9 11 13 15 17 19 21 23

Ladies and Gentlemen, As more and more people become vaccinated around the world, we can be cautiously optimistic that humanity will soon be immune to COVID-19. However, more needs to be done to promote

proven resilient in the past and we expect this to continue into the rest of 2019. The main lime consuming sectors of the industry were not immune to the disruption: the sugar cane harvest was down after a

. As in Q1 the main lime consuming sectors of the industry were not immune to the disruption: the sugar cane harvest was down and uncertainty in the steel industry has caused volumes to drop year on year

anti-aging properties, boost the immune system and reduce inflammation, and “VPlus”, a drink with electrolytes, vitamin C and cool mint. OSP used start-up spirit to handle these new launches, by mean

fibersol, L-carnitine and vitamin B, and Peptein Gold, a drink containing natural superfoods which provide anti-aging properties, boost the immune system and reduce inflammation. Personal Care Segment Total

Alpha, Beta, and Now…Gamma David Blanchett, CFA, CFP® Head of Retirement Research Morningstar Investment Management Paul Kaplan, Ph.D., CFA Director of Research Morningstar Canada August 28, 2013 Morningstar Investment Management Page 2 of 27©2013 Morningstar. All rights reserved. This document includes proprietary material of Morningstar. Reproduction, transcription or other use, by any means, in whole or in part, without the prior written consent of Morningstar is prohibited. The Morningstar I...