Good day and thank you for joining the Greenlight Re Third Quarter 2010 Earnings call. Joining us on the call this morning are Dave Einhorn, Chairman; Len Goldberg, Chief Executive Officer; Bart Hedges, President and Chief Underwriting Officer; and Tim Courtis, Chief Financial Officer. The Company reminds you that forward-making statements that may be made in this call are intended to be covered by the Safe Harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not statements of historical fact but rather reflect the Company’s current expectations, estimates and predictions about future results and events, and are subject to risks, uncertainties and assumptions including risks, uncertainties and assumptions that are enumerated in the Company’s Form 10-K dated February 24, 2010 and other documents filed by the Company with the SEC. If one or more risks or uncertainties materialize, or if the Company’s underlying assumptions prove to be incorrect, actual results may vary materially from what the Company projects. The Company undertakes no obligation to update publicly or revise any forward-looking statements whether as a result of new information, future events, or otherwise. After today’s presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on a touchtone phone. To withdraw your question, please press star then two.