Good day, ladies and gentlemen, and welcome to the Pre-Paid Legal Services third quarter earnings results conference call. At this time, all participants are in a listen-only mode. (Operator Instructions) As a reminder, today's conference call is being recorded. I'd now like to turn your conference call over to your host, Mr. Randy Harp. Please go ahead. Randy Harp Well thank you, and good morning, everyone. This is Randy Harp, Co-CEO, President, and Chief Operating Officer of the company. And I want to welcome you to the 2010 third quarter earnings conference call for Pre-Paid Legal Services Inc. Joining me here at our home office is our CFO, Steve Williamson. Before we begin, I want to remind everybody that the conference call will contain forward-looking statements, including our expectations of future results and future plans. Actual results might differ materially from those projected in these forward-looking statements. Additional information concerning risk factors that could cause the results to differ materially from these forward-looking statements are contained in our press release announcing our earnings as well from disclosures in our public reports on Forms 10-K, 10-Q, and 8-K and any amendments filed with the SEC; and always available at the SEC Edgar Web site as well as our own Pre-Paid Legal Services Web site. We did file our 10-Q yesterday evening – yesterday afternoon. I think it was released this morning at 6 o'clock, so it is available. We'll point out a couple of updates to our contingencies, one, the FTC matter, which we had previously disclosed, but has been on a long-standing disclosure in our three-plus years, a long-standing disclosure in our documents. And just to remind everybody, on July the 28th, the FTC issued a closing letter with no findings against the company. So that disclosure will go away.