Tim Buckley: Karin, as you know, I’m a minimal bit of a geek when it will come to know-how at the rear of all the assistance that you supply. And I feel it’s handy for our shoppers to know the sophistication at the rear of it. So regardless of whether you are a retiree or a pre-retiree, we’re considering hundreds of different current market simulations to make confident your portfolio can keep up.  So when we say that we have in fact strain-analyzed your portfolio, we have believed about periods like we’re heading through correct now.

Karin Risi: Which is accurately correct. What you are describing is Monte Carlo simulation. And as you explained, we pressure-test the portfolio in opposition to 10,000 scenarios—one just like this, and in fact, a lot of that are even worse than this. So our portfolios are built to weather conditions this volatility.