Tim Buckley: Karin, as you know, I’m a small little bit of a geek when it will come to technological innovation behind all the guidance that you supply. And I think it’s useful for our consumers to know the sophistication behind it. So regardless of whether you are a retiree or a pre-retiree, we’re taking into consideration countless numbers of distinct marketplace simulations to make positive your portfolio can maintain up. So when we say that we’ve in fact stress-analyzed your portfolio, we’ve considered about times like we’re going as a result of ideal now.
Karin Risi: That is accurately ideal. What you are describing is Monte Carlo simulation. And as you reported, we stress-check the portfolio towards 10,000 scenarios—one just like this, and in fact, lots of that are even worse than this. So our portfolios are crafted to climate this volatility.