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Disclosure: 2025 Chandler Asset Management, Inc., An Independent Registered Investment Adviser. The information herein is provided for informational purposes only and should not be construed as a recommendation of any security, strategy, or investment product, nor an offer or solicitation for the purchase or sale of any financial instrument. References to sample securities, products, or investment indices are for informational purposes and do not imply that managing portfolios to those securities or styles will achieve comparable returns.