I may be underinvested and in need of a potential correction, but my objection is just a reflection for my own protection. Is this the right time to question my worth, as I have been on planet Earth, ever since my birth. Regardless of where my assets are allocated, I am still fated to be rated and not hated. I don’t plan on being upside down, because I have been around and I invest in things that are sound. I pay attention to the Federal Reserve, I do not swerve and I observe the latest curve. Will they raise the short term rate? I don’t think that would be great, it will not make me irate or start to gyrate, so I guess we will all have to wait. If I take less risk, then I will get less return, that is something we all must learn and now it is time for me to adjourn.