As of noon today, the equity markets are slightly up and oil is slightly down. This is a positive development for the capital markets, which I hope will continue. While recently oil and equities have been moving in the same direction, historically there is a negative correlation between the two. The lower oil prices, the more money consumers have to spend in the US and the lower the input price for most manufactured goods as energy is a large component of price, keeping prices down without hurting profit margins for companies. I hope this can continue.