DI: And finally, what is the message that you want to communicate to your members?
FERGUSON: My message to our members has three components. First, TIAA-CREF remains stable and financially sound and able to live up to our commitments. Secondly, do not make rash, short-term decisions. Think about the long term. And third, please reach out to us for objective advice, because we are here to help and we understand very much our higher education market and our obligations in that market.
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