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Annual Report 2012Letter to Shareholders Luck is when preparation meets opportunity. OPZTVKPLKXV[LMPT:LULJHHYZ[FLU[Y`9VTHU WOPSVZVWOLYLWP[Italy[OLD[YOU`LHY×67;L_WLYPLUJLK PU;OYVNOHJVTIPUH[PVUVMOHYK^VYRHUKNVVK MAY[LULL_JLLKLKVYNVHSZMVYL_LJ[PUN

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