Last year I kept waiting for the stock market to make a correction. As I pointed out several times, the price earnings ratio was out of line with historic values. During 2017, in addition to not having a correction, we saw volatility at extremely low levels. The combination of these two gave many investors the belief that the market couldn’t go down during such good times. This led some of our investors to indicate that they wanted to take more risk in their portfolios. As I told each of them, when the market is rising, you think you can take the downturn, until it occurs.