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And with that, let me turn it over to Jim Gober, our Chairman, President and CEO.Jim Gober Well, good morning, and welcome to our call and webcast for the first quarter of 2010. Roger Smith, our CFO is also with us this morning. And as usual we will open the lines for questions after our comments. Now let’s begin with the highlights on slide three. Our gross written premiums were up 9.9% during the quarter. We experienced premium growth in all of our focus states except California and Nevada with a significant amount of growth coming from Florida.