It’s the (U.S.) economy, and we’re going to have to wait and see whether it turns around. For the first half of the year…we’re going to be on thin ice. And we’ve got to be...

You’ve got limited impact so far for any of the insurers. When people are affected by it, it’s a great buying opportunity shortly afterwards.

We are seeing investors get out of oil and mining stocks and back into banks and financials.