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The good news is that you have completed your W9 form. The bad news is though you may have completed because:

You have a money market account ... is it the best money market account ?

You have a checking account ... is it a free checking account ?

You have a forex account.... have you done a forex demo ?

You are an independent contractor . do you have independent contractor insurance ?

Neil Rischall CPA

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Audited Financial Statements