Tim Buckley: I search back again at 2008‒2009, and I recall persons panicking—investors I highly regarded. Some of them were acquiring out on March 9, 2009. They could not deal with it any longer, and that’s just when the marketplaces took off. No 1 experienced predicted that. You constantly have to recall the marketplaces are ahead-looking, and you don’t know when they are going to acquire off—just like you don’t know when they are going to tumble. So it is ideal to be invested than to check out to time it, because it is shut to unachievable.
Karin Risi: That is precisely correct.