What we’ve seen so far this year is excellent performance out of the domestic equity market. This is measured by the S&P 500 which has generated YTD performance of 13.8%. International developed markets have generated a positive 4.5%, however emerging markets have generated a negative 9.4%. We’ve also seen negative performance in the bond market. This is after the last ten years where the returns have been positive each and every year so we’ve begun to see some volatility in the bond market.