Tim Buckley: John, to condition the obvious, we’ve observed large declines in revenues for firms and for municipalities. So, a great deal of folks are chatting about what’s the fallout? Are folks missing payments? Will we start out to see downgrades of bonds, defaults? What will the exercise routines seem like? Can you give us some viewpoint about how your team’s considering as a result of this?
John Hollyer: Certain, Tim. And you are right—this is a time when there will be downgrades and there will be defaults. But let us continue to keep it in viewpoint. If we