Well, the British Sterling Pound has not bounced back to its pre-British exit from the European Union position, but everything else continues to appreciate. Last month, we warned of European and Asian capital flowing into the U.S. Markets – both equities and bonds – and as expected, this has been the case, pushing our equity markets and bonds markets way up. While this assists our total returns for the year, it makes it difficult to purchase fixed-income securities for new money that needs to be invested for income purposes. As we stated many times, fixed-income securities, unlike equities, have a price ceiling; otherwise, you would enter into a negative rate or yield. Given this drawback for fixed-income securities, we are forced into purchasing funds, or ETFs, as a temporary substitute for individual bonds.