Tim Buckley: Karin, as you know, I’m a minor bit of a geek when it arrives to technological innovation at the rear of all the assistance that you deliver. And I assume it is useful for our clientele to know the sophistication at the rear of it. So whether you are a retiree or a pre-retiree, we’re contemplating 1000’s of different sector simulations to make positive your portfolio can keep up. So when we say that we’ve actually anxiety-tested your portfolio, we’ve believed about periods like we’re heading as a result of appropriate now.
Karin Risi: That is accurately appropriate. What you are describing is Monte Carlo simulation. And as you stated, we stress-exam the portfolio versus ten,000 scenarios—one just like this, and actually, several that are even worse than this. So our portfolios are built to temperature this volatility.