Hi Michael, brilliant video on zero interest policy, keep them up. Do you mind if I show it to people? I am still gifting your books to clients, still recommending Man AHL, Aspect and Winton. With some Transtrend in there as well. In Australia we are currently earning 4% on Term Deposits, people are still scared. As a planner what I am scared of is us entering the ZIRP too. If its good enough for the US, UK, EU and Japan there is no reason our central planners will not come up with same policies… not that I can predict the future.