If I could answer that question, I’d be rich by now. [Laughter] It’s hard to know. I don’t pretend that I can give you a precise answer. Certainly, the markets have been in this benign situation for some time, and we’ve been struggling with this question for several years—why the term premium has been so low, why spreads have been so low, and why volatilities have been so low for this extended period. I just think that the longer the situation persists, the longer the risks rise—or at least that’s what the worry is. But you all know that.