Farrell: It’s been better to have been a novice than a professional the past few years, because people with the most experience have been the most cautions. Bus markets do regress back to the mean {return to their long-term average performance}, and I agree we are late in the ball game. This is the longest period we’ve ever had with such high returns from equities, and I can’t know if returns going forward will be 7% or 8%, but I’m pretty sure they will be below average.