Tim Buckley: John, to point out the noticeable, we’ve found large declines in revenues for companies and for municipalities. So, a good deal of persons are speaking about what’s the fallout? Are persons lacking payments? Will we start off to see downgrades of bonds, defaults? What will the workout routines appear like? Can you give us some viewpoint about how your team’s considering by this?
John Hollyer: Guaranteed, Tim. And you are right—this is a time when there will be downgrades and there will be defaults. But let’s maintain it in viewpoint. If we appear at expense quality company