Tim Buckley: I glance again at 2008‒2009, and I try to remember folks panicking—investors I highly regarded. Some of them had been receiving out on March 9, 2009. They couldn’t deal with it any more, and which is just when the markets took off. No one experienced predicted that. You usually have to try to remember the markets are forward-wanting, and you really don’t know when they’re going to take off—just like you really don’t know when they’re going to tumble. So it is very best to be invested than to test to time it, due to the fact it is near to unachievable.
Karin Risi: That is exactly appropriate.