The first quarter of 2015 is over. The stock market went up, the stock market went down. It kept doing this all during the quarter. At the end of the quarter, the Dow Jones Industrial Average, an index of 30 blue chip stocks, had dropped 0.3%. The S&P 500, a much broader index of the market, was up 0.4%. In summary, not much change to either of the indexes. What was more apparent was that other asset classes did better than the U.S. stock market during the first quarter. I am always emphasizing diversification and this quarter was an excellent example of why it is so important.