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Let me tell you about yourself. You're most likely a member of the baby boom generation, and, despite the belt‐tightening 1990s, you're doing pretty well. You're probably a senior manager (owner, president, CEO, CFO, or VP) with a household income exceeding $90,000. You're very well educated. You almost certainly have a college degree, and odds are very good that you also have a graduate degree. And you're on the road a lot, with at least a dozen domestic trips and one international trip scheduled each year.

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