In terms of expectations, bonds would be an easy one because there is some evidence that over time bond returns should be pretty close to their current yield, and the yield, as you know, is pretty low currently in the marketplace, so you should expect a return, given the yield environment, of about 3%.
In terms of equity, we do have a more favourable view toward the equity marketplace. We do expect that what we call the equity risk premium should be around 4% to 5%. That would be on top of fixed income, so it would be a return of 7% to 8%.