I just returned from London where I met with a number of clients and prospects, and I continue to be encouraged by the feedback I'm receiving from our markets. Our investments in infrastructure and new service offerings are helping us to outdistance our competitors across all of our business lines, and we certainly expect to capitalize on this even in these challenging markets.

For our new service offerings coupled -- our new service offerings, coupled with our financial strength, positions us well for the long-term growth. Now, this concludes my remarks. So I will ask Dennis McGonigle to give you an update on [LSV] [ph] and the Investments in New Business segment. And after that, I'll turn it over to the other business segments. Dennis?

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