The Company intends the forward-looking statements in the call to be subject to the Safe Harbor created thereby. Management also will make reference to some non-GAAP measures of financial performance. The reconciliation to GAAP and definition of operating income can be found on the Company’s current report on Form 8-K furnished to the SEC yesterday, which contains the Company’s earnings press release and is available on the Company’s website.I would now like to turn the conference over to your hosts for today, Mr. Dinos Iordanou and Mr. John Hele. Please proceed. Dinos Iordanou Good morning, everyone, and thank you for joining us today. Our third quarter result was satisfactory when we take into consideration the difficult market conditions that we operate in. Significant catastrophic activity continuing in the third quarter, however the level of this activity and resulting in trouble damages were only slightly above our average expected cat loads for the quarter. As you may recall, the first two quarter experienced cat activity and resulting losses that were significantly above average. Our total net catastrophe losses for the quarter were about $60 million with $46 million coming from the current quarter events and $14 million related to net increases in loss estimates from the first and second quarter events. Our underwriting teams continue to execute our soft market strategy by emphasizing small accounts for the large ones and focusing more on short tail businesses. The market is showing signs of slight improvement. However, we still see more opportunities for adequate profitability in the short and medium tail lines of business rather than the long tail business. As more and more competitors are factoring into the pricing, the skimpy returns available for new money investments eventually pricing levels for long tail lines will improve; at least we hope so. In the mean time, we are continuing a defensive approach for these lines of business. As a result of these strategies, our mix of business continues to shift towards more short tail and medium tail while our long tail business on a trailing 12-month basis remains approximately 25% of our book.