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Write a review of the article "Risk Tolerance and Asset Allocation for Investors Nearing Retirement" by Govind Hariharan, Kenneth S. Chapman, Dale L. Domian, Financial Services Review 9 (2000) 159-170.

In your own words explain and critique, using finance theory, the key points that the authors are trying to communicate. Your review should be two to three pages, not counting the title or reference pages

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