Tim Buckley: Karin, as you know, I’m a little bit of a geek when it comes to technology behind all the advice that you provide. And I think it’s helpful for our clients to know the sophistication behind it. So whether you’re a retiree or a pre-retiree, we’re considering thousands of different market simulations to make sure your portfolio can hold up. So when we say that we’ve actually stress-tested your portfolio, we’ve thought about times like we’re going through right now.
Karin Risi: That’s exactly right. What you’re describing is Monte Carlo simulation. And as you said, we pressure-test the portfolio against 10,000 scenarios—one just like this, and actually, many that are even worse than this. So our portfolios are built to weather this volatility.