Tim Buckley: Karin, as you know, I’m a very little bit of a geek when it comes to technological know-how at the rear of all the suggestions that you give. And I think it is helpful for our consumers to know the sophistication at the rear of it. So whether you’re a retiree or a pre-retiree, we’re taking into consideration hundreds of diverse market place simulations to make absolutely sure your portfolio can hold up.  So when we say that we have really worry-tested your portfolio, we have believed about instances like we’re going by way of right now.

Karin Risi: That is just right. What you’re describing is Monte Carlo simulation. And as you explained, we stress-check the portfolio against ten,000 scenarios—one just like this, and really, a lot of that are even even worse than this. So our portfolios are developed to temperature this volatility.