One problem (there are many, many others) is that all kinds of complicated rules shave off so much of the return in those good stock-market year that the protection in bad years comes at a very stiff price.

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However, if we look at the iPod business, Apple has done a very good job of offering alternative products form factors and capabilities at varying price points.

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For computer users who need access to a lot of content, and many Macbook Pro users are film editors, graphic artists and other creative professionals who often need access to significant stored content, a good amount of local storage with higher performance at a lower price than apure SSD computer could be very attractive.

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