Are there factors that make it more likely for the market to go up or down?
When it comes to factors that are going to affect the market, it really goes all the way back to the economy. What you have to think about is that stocks make up our economy. So, we're looking at the broad basket of companies in our economy, we're owning stocks that are really tied together. So, it's more fundamental economic factors that are going to affect the long-term returns of our portfolio. Now, there are a lot of short-term up and down movements in the stock market. Really what those are, is the market trying to predict with the more longer, steadier factors that kind of drive our economy.