Host: What are the categories are used to diversify US stocks?

David Marotta: Another way to make sure that you are diversified within US stocks is to look at the different industries that you invested in. So for example, lot of people are invested in technology stocks, we had a client here in -- came to us in 2000 and thought he was diversified because he had five different mutual funds that were all aggressive growth and the number one holding in each one of them was Cisco and they also held the S&P 500 Fund and at that time, the number holding was Cisco, six different mutual funds but they are all hi-tech stocks. So, they all are all going to move in sink with one another because they are all in one industry. So, if we look at the different industries, we recommend you have some technology. Technology historically is one of the category that has good growth but technology should be limited to a small percentage of the portfolio. Healthcare is another one, Healthcare has the second highest level of growth, but it also has much less volatility and so Healthcare should have a little bit of an investment. So, if you look at all the different industries you need to make sure that you are diversified across all the industries.