For all of last year, our HD Money holdings were down 4.22%. Pretty good as the S&P 500 was down 20%. For last year through Jan 30 2023 we’re UP 6.29%, very happy with that. The other reasons: – No 20/30 year bonds; – ETFs and mutual funds effectively spread risk; – Local support availability and breadth of the team’s skills; – Responsive service. And we enjoy their periodic educational sessions.