2011 was a great year, and we finished we think was a very, very strong fourth quarter. At the beginning of 2011 things still look to be really tough out there, but during the year we continue to build significant momentum which culminated in a very strong finish to the year. I’m proud of our team’s performance in the quarter and last year, and I want to sight some key highlights for the group this morning.All divisions, all of our operating divisions across the entire globe contributed to our profit growth this year. Brokerage revenue on an adjusted basis was up 22%, we were back with positive organic growth at 5.2% which is really, really good work, I’m pleased with those results. Remember 2010, our organic revenues were down 2%, so a 7% turnaround is great work by the team. Adjusted EBITDAC up 27%, if you look at that organic growth there is a very simple calculation. We essentially had flat rates for the fourth quarter, we had a flat economy, zero really declined from the economy and the organic was made up of new business less our loss business. Our Risk Management segment adjusted revenues up 13%; our organic growth was very strong at 12.6% which Doug will make some comments on in a moment. Very good work by the team, adjusted EBITDAC in the Risk Management segment up 22%. During the year our merger and acquisition activity, we had a record year, we purchased $277 million of additional revenue. During the year we did our largest acquisition ever which was Heath in the UK which is integrating very well. We finished in the Risk Management segment integrating the GAB acquisition all those clients are now up and operating on our claim system and our client retention is very strong.