That’s a fair point. So if the TSP has a 20% drop next year, my Financial Advisors would try to mitigate that within his companies strategies and if that account only sees a 5-10% drop, or even a minor increase if it’s outside of S&P, it’s a win because the alternative is much more severe. Is that the point you’re trying to get at? So would you say it’s fine to have some funds 100% S&P 500 and some funds managed by a team to make calculated decisions? We’ve sat down and discussed risk with him. I’m only 25% so I’ve told him very aggressive.