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References:
Vanguard Report for 2024:https://www.vanguard.co.uk/content material/dam/intl/europe/paperwork/en/gbp-vemo-2024-eu-en-pro.pdf
Vanguard Report for 2014: https://static.fmgsuite.com/media/paperwork/7087448e-64fa-4478-a561-2a5e57b23cb3.pdf
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