Tim Buckley: Karin, as you know, I’m a little bit of a geek when it will come to technologies driving all the advice that you offer. And I consider it’s valuable for our shoppers to know the sophistication driving it. So irrespective of whether you are a retiree or a pre-retiree, we’re thinking of 1000’s of distinct current market simulations to make certain your portfolio can maintain up. So when we say that we’ve actually strain-tested your portfolio, we’ve assumed about times like we’re likely by way of correct now.
Karin Risi: That’s accurately correct. What you are describing is Monte Carlo simulation. And as you mentioned, we stress-check the portfolio in opposition to ten,000 scenarios—one just like this, and actually, numerous that are even even worse than this. So our portfolios are crafted to weather conditions this volatility.