assumption from $60/bbl to $55/bbl and natural gas to $2.75. We also tempered our growth assumptions at US Retailers, Housing and Banks. Figure 1: DXY & EUR/USD 2015YTD avg: 96.0 100 2013 & 2014 EUR avg: 1.33 2012 EUR avg: 1.29 75 80 85 90 95 2015YTD EUR avg: 1.11 2012 avg: 80.6 2013 avg: 80.