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DEARBORN, Mich. — If there is a painful lesson coming from Ford Motor Co., which is suffering behind an $8.7 billion second-quarter loss and nearly a decade of sluggish auto sales, Brad Sova is gentle when he shares it with his clients.

“What’s that old saying ‘don’t put all your eggs in one basket,’” said Sova, vice president and senior financial consultant at the $1.9 billion DFCU Financial.

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