Tim Buckley: I glance again at 2008‒2009, and I try to remember people today panicking—investors I respected. Some of them ended up finding out on March nine, 2009. They couldn’t manage it any more, and that is just when the marketplaces took off. No one particular had predicted that. You often have to try to remember the marketplaces are forward-looking, and you do not know when they are likely to acquire off—just like you do not know when they are likely to tumble. So it is ideal to be invested than to check out to time it, mainly because it is shut to difficult.
Karin Risi: Which is exactly correct.