It's been a fascinating year. So far, January has been volitile. We foresee that trend sticking around for a while: up 300 points on the Dow one day, down 300 the following. The good news is, since we've moved into February the market has seen about a 500 point move. We feel there's a gigantic opportunity in the energy industry, continue preferring healthcare, and we like the idea of moving cash into Europe in the next 90 days. I specified last year we'd do a 10% return in 2014. I think due to energy prices we'll actually see better results than that in 2015. You can expect equities to give back 10-14%.