These and other risks, uncertainties and factors, including those described in MFA’s Annual Report on Form 10-K for the year ended December 31 st, 2010 and other reports that it may file from time-to-time with the Securities and Exchange Commission could cause MFA’s actual results to differ materially from those projected, expressed or implied in any forward-looking statements they make. For additional information regarding MFA’s use of forward-looking statements, please see the relevant disclosure in the press release announcing MFA’s fourth quarter 2011 financial resultsThank you for your time. I would now like to turn this call over to Stewart Zimmerman, MFA’s Chief Executive Officer. Stewart Zimmerman Good morning and welcome to MFA’s fourth quarter 2011 earnings call. With me this morning are Bill Gorin, President; Steve Yarad, Chief Financial Officer; Ron Freydberg, Executive Vice President; Craig Knutson, Executive Vice President; Harold Schwartz, Senior Vice President and General Counsel; Kathleen Hanrahan, Senior Vice President and Chief Accounting Officer; and Shira Finkel, Senior Vice President. Today, we announced financial results for the fourth quarter ended December 31 st, 2011. Recent financial results and other significant highlights for MFA include the following Fourth quarter net income per common share of $0.19 and core earnings per common share of $0.22. Book value per common share was $6.74 at the end of the fourth quarter versus $7.16 at September 30 th, 2011 due primarily to price weakness within the Non-Agency MBS sector. Book value per common share has since increased to $7.10 at January 31 st, 2012, due principally to a rebound in the value of Non-Agency mortgage-backed securities during the month of January. We continue to increase our focus on financing structures that reduce our reliance on short-term repurchase arrangements collateralized by Non-Agency mortgage-backed securities. In the fourth quarter, we entered into a three-year collateralized financing arrangement that effectively provides $300 million of financing for Non-Agency mortgage-backed securities, and subsequent to year-end, we increased the amount financed under this arrangement to $500 million.