 A lot of that was just sort of tweaking our models for mid-years, adjusting back tests for the next six months as opposed to the next 12. But what we really wanted to capture with the number was the idea that we do see a little bit room for this market to move a bit higher in the very short term. We do think sentiment is sort of dancing on the edge in terms of being overly enthusiastic. If you look at the AAII survey, we expect to have to pay the price for that at some point.