Christine, let’s find out how to be more savvy in 2025 with our investments. Your first tip for the year ahead is to make sure that you’re not underweighting or not paying attention to those unloved market segments. Talk about that.
Benz: Yeah, so the big category here, Susan, would be non-US. And of course, I’ve been banging this drum for a few years now, and yet we have continued to see non-US stocks underperform US. But there is a valuation advantage to non-US. There is also a diversification advantage in that you are getting exposure to sectors that today are kind of underrepresented in the US market, which tilts heavily toward technology and healthcare. There’s also a dividend advantage for people who care about that, and I know a lot of our viewers do. You’re getting higher dividend yields overseas as well. So, for investors who haven’t rebalanced their portfolio recently, I would take a look there.