I was standing behind an Asian woman in the bank

I was standing behind an Asian while this conversation was going on.
Asian: why have my investments go down?
Banker: well let's see here... it looks like the investments took a turn to the worst?
Asian: why?
Banker: Fluctuations...
Asian: well you fluctuate
Me: Miss he said fluctuations an "L" after the F...
She walks away...

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