Tim Buckley: Karin, as you know, I’m a very little little bit of a geek when it comes to engineering behind all the assistance that you deliver. And I believe it is helpful for our consumers to know the sophistication behind it. So no matter whether you are a retiree or a pre-retiree, we’re contemplating countless numbers of distinct industry simulations to make absolutely sure your portfolio can hold up. So when we say that we have truly worry-tested your portfolio, we have assumed about times like we’re heading by right now.
Karin Risi: That is just right. What you are describing is Monte Carlo simulation. And as you claimed, we strain-exam the portfolio towards ten,000 scenarios—one just like this, and truly, quite a few that are even even worse than this. So our portfolios are designed to climate this volatility.