|   THE TOWERCREST FINANCIAL CONDITIONS INDEX We continually monitor changes in  economic and market conditions to help guide asset allocation decisions. The Towercrest Financial Conditions Index includes many leading and lagging  indicators in categories ranging from the health of the consumer to corporate  earnings and market action.  We measure seven components of financial  conditions, assigning a score in each using a scale from 0 to 100, where 100  represents the highest score. The seven component scores are then averaged  to give an overall score. A score above 50 indicates an increased  allocation to stocks; while a score below 50 indicates an increased allocation  to bonds.     |