We’re finally getting close to the end of this election season so why don’t we start off there. Do you think the results of the election will impact 2016 returns, John? Well, we are in a heightened period of volatility over the last few months and I think a lot of people connect that with the election which is probably partially true but in the bigger picture, August through October tend to be the worst three month period within the markets anyway. So regardless of the election, we would be seeing that volatility now.
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