The SEDH 2012 study group just had its 11th meeting held on 2012/12/12. We have Alex, Carmen, Cassidy, Benny & Ulfred in this last meeting in 2012. A very nice sharing on the reading material and individual 2013 investment plan. We appreciate the commitment to attend and change of each participants of the 2012 study group. Looking forward to see you all in 2013 study group. Please note that the first study group meeting for 2013 will be held on 15 Jan 2013(Tue). Please reserve time to come. Advance greeting of Xmas and New Year and a nice year of 2013.  Ulfred