Dear friends,

We earned a 3.1% return net of fees in November. The company I have referred to as my favorite stock in previous emails, Cambria Automobiles, which owns and operates 41 franchised car dealerships in the UK, reported a 25% increase in earnings, in large part due to investments in new dealerships that are beginning to pay off. This is in sharp contrast to the other UK auto dealership groups, whose earnings have been weak due to a cyclical downturn in the industry. The stock increased 16% in November as a result of the positive earnings announcement. I . . .

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