Tim Buckley: I glimpse back again at 2008‒2009, and I keep in mind folks panicking—investors I respected. Some of them were acquiring out on March nine, 2009. They couldn’t handle it any longer, and that is just when the marketplaces took off. No a person had predicted that. You always have to keep in mind the marketplaces are forward-wanting, and you really don’t know when they are likely to consider off—just like you really don’t know when they are likely to tumble. So it’s finest to be invested than to try to time it, simply because it’s close to unachievable.
Karin Risi: Which is specifically suitable.