2014 completed as a respectable year, up approximately 10%. The Ebola crisis breakout hit in October which sent an interesting wake through the entire market, but in general it was a decent year. In January we expected to end the year at a 18,000 Dow and we basically did. 2015 looks to be flimsy. We see an 8%-10% return due to oil costs settling in the following quarter and additionally investment rates leveling out.