Tim Buckley: Karin, as you know, I’m a minor little bit of a geek when it comes to technologies powering all the tips that you provide. And I consider it’s useful for our clientele to know the sophistication powering it. So irrespective of whether you are a retiree or a pre-retiree, we’re taking into consideration hundreds of various market place simulations to make confident your portfolio can hold up. So when we say that we have in fact strain-examined your portfolio, we have imagined about situations like we’re heading via proper now.
Karin Risi: That is precisely proper. What you are describing is Monte Carlo simulation. And as you said, we pressure-take a look at the portfolio versus 10,000 scenarios—one just like this, and in fact, many that are even even worse than this. So our portfolios are designed to temperature this volatility.