Tim Buckley: Karin, as you know, I’m a small bit of a geek when it will come to technology behind all the tips that you supply. And I believe it’s useful for our shoppers to know the sophistication behind it. So regardless of whether you’re a retiree or a pre-retiree, we’re taking into consideration hundreds of diverse market place simulations to make guaranteed your portfolio can hold up. So when we say that we have essentially tension-tested your portfolio, we have considered about periods like we’re going through appropriate now.
Karin Risi: That is exactly appropriate. What you’re describing is Monte Carlo simulation. And as you said, we pressure-test the portfolio versus 10,000 scenarios—one just like this, and essentially, many that are even worse than this. So our portfolios are designed to weather this volatility.