Tim Buckley: I look again at 2008‒2009, and I remember folks panicking—investors I highly regarded. Some of them were getting out on March nine, 2009. They couldn’t tackle it any more, and that’s just when the marketplaces took off. No 1 had predicted that. You constantly have to remember the marketplaces are forward-wanting, and you do not know when they are going to just take off—just like you do not know when they are going to tumble. So it is greatest to be invested than to try out to time it, for the reason that it is shut to unachievable.
Karin Risi: That’s accurately proper.