Our Diversified Strategy includes a component of our High Yield Strategy and Opportunity Growth Strategy, in addition to further diversification through the use of US Treasury securities, investment grade bonds, and other equity or equity-like securities, including ETFs.  The goal of this strategy is to provide additional diversification across various asset classes at different times throughout the economic/business cycle.  The Diversified Strategy utilizes a broader macro view to determine allocations and weightings to various asset classes and individual securities.  It is not intended to be as rigid or asset class specific as our High Yield Strategy or Opportunity Growth Strategy, as it takes a more holistic approach to the investment landscape depending on what we believe is occurring in the economy and across the capital markets.