For us the philosophy has been that, market risk is temporary but credit risk is permanent. So, if you are invested and you get stuck with interest rate volatility like we saw in the last two years, these are cyclical situations where interest rates go up and down but at some point, you need not worry as they ease out again generating reasonable returns. But in case of credit event, it is very unlikely that in most cases there could be much recovery. So, one of the most important features for investors who are investing for the long-term is, they need to understand that, longer the investment horizon, higher the uncertainty and lesser the predictability. So therefore, it is important to stick to a high-quality portfolio to start with so that over, three-five-years time-period, there is a reasonable visibility and probability that those companies will survive. Also, investors should look at their investment objective, risk returns and then invest accordingly.