It's been an intriguing year so far. January has been exceptionally volatile. We expect this will be the pattern for a little longer: up 300 points one day on the Dow, down 300 the following. The uplifting news is, since the beginning of February, the market has seen about a 500 point move. We believe there's a huge opportunity in the energy sector, remain optimistic about healthcare, and additionally like the idea of moving cash into Europe in the following 90 days. A year back, I specified that we'd do a 10% return in 2014. I think because of energy prices we'll do even a littel bit better than that in 2015. Expect equities to give back 10-14%.