Steve, I’ve been advising people to get out of the stock market since March, I think. I missed this last run-up, but I will also miss the 28% or greater fall. Meanwhile, I’m earning over 5% in my CDs. Let’s check back in with each other in the spring of 07, and compare notes, and compare your mutual funds to my CD performance. If you take this challenge, then we’d need to know the names of your mutual funds?