neeraj: that is a very interesting question, haslinda.a portfolio manager, this is something we debate a lot, and the challenge that you see is using rates as a hedge for your risk before things come down, that only means that overall, from an investor perspective, you probably reduce your overall risk, and you reduce your duration, you still keep your duration as a hedge against your risk assets, and if you run the correlation, what you do see with the correlation of u.s. rates -- much lower than it was so you have to9, manage the portfolio in the new lower levelverall risk, and managing risk rather than being long risk with long-duration, you hedge it. haslinda: there has been so much stimulus, and that supports bonds, as well. when the music stops, when the pulling back, what kind of distressed do you see in the credit market? neeraj: first of all, the stimulus is unprecedented, but as i said earlier, from an economic perspective, this is not as sharp. the momentum just stopped, and a lot of the stimulus is focused on two things right