Hi Everyone,

Just to let you know, Mark Robertson has now joined us on the bivio home page with his new feature
and forum for discussion entitled expected returns. His first column, "Successful Long Term
Investing" is now posted for you to read.

bivio welcomes Mark and the whole Manifest Investing team. They invite you to submit your questions
about your investments and your portfolio management by emailing expected_returns@bivio.com

 Laurie Frederiksen
 bivio Inc.