We recently published our final Investor Letter for 2014. In the letter we take a look at the market and economy in 2014 and our outlook for 2015. As we comment in the newsletter, investors will be faced with a number of issues in 2015, oil price volatility, currency issues, stimulus programs around the world, just to name a few factors. January has already started with market volatility that me be unsettling to investors. For further insight into our views for 2015, our Investor Letter can be accessed at the below link.