Our fourth quarter earnings conference call will be accompanied by a presentation that is available for download on the Investor Relations section of NFP’s website or upon connecting to the audio webcast of this call at the same website. A reconciliation of the non-GAAP measures discussed on this call can be found in the presentation or in the quarterly financial supplement, which is available at the same website.At this time, I would now like to turn the call over to our CEO, Jessica Bibliowicz, and her presentation starts on Slide 7. Jessica Bibliowicz Great. Thanks, Abbe, and good morning everyone. 2011 was a solid year for NFP and we accomplished a great deal. Our revenue grew to more than a billion dollars, driven by organic growth and acquisitions. Adjusted EBITDA grew by 8% and we expanded our margin. We saw particular strength in the corporate client and advisor services groups where we generated growth in revenue and adjusted EBITDA. In the individual client group, strong positive trends continued in our wealth management business but we faced market challenges in life insurance. Despite a decline in our life insurance revenue, adjusted EBITDA and margins expanded. In 2011, we continued to generate strong cash flow and executed on our balanced capital allocation strategy. We invested approximately 50 million of cash for acquisitions in 2011. All of the deals, which are recurring revenue businesses, were in the corporate client group. In May 2011, we put in place a $50 million share repurchase program, and as of February 6, 2012, we completed the buyback program. In addition, NFP has continued to make investments to enhance our leadership position in our core markets of benefits, insurance and wealth management. Our strategy in 2012 is to continue to build shareholder value by delivering the highest quality client service, expanding our offerings, maintaining our financial flexibility, and growing recurring revenue and profitability. To this end, we will continue to pursue strategic acquisitions that complement our existing businesses, especially in property and casualty, corporate benefits, and wealth management. With these transactions, we will seek to grow and strengthen our client offerings and the NFP brand by adding management strength and diversification of products and geographies.