Tim Buckley: Karin, as you know, I’m a very little little bit of a geek when it will come to engineering driving all the assistance that you deliver. And I consider it’s handy for our purchasers to know the sophistication driving it. So no matter whether you are a retiree or a pre-retiree, we’re thinking of thousands of distinct marketplace simulations to make positive your portfolio can maintain up.  So when we say that we have really worry-tested your portfolio, we have assumed about moments like we’re heading by way of right now.

Karin Risi: That’s specifically right. What you are describing is Monte Carlo simulation. And as you reported, we strain-take a look at the portfolio in opposition to 10,000 scenarios—one just like this, and really, many that are even worse than this. So our portfolios are built to weather this volatility.