Our next presenter is Jessica Bibliowicz from NFP, Chairman, President and CEO of the company. Unlike the other companies I cover, NFP is a distributor, not a manufacturer of insurance products. It derives its revenue from distribution of employee benefits, life insurance property casualty and asset management. So again, unlike insurance companies, it doesn’t have the level of balance sheet risk that obviously is a big concern in the market today. So with that, I’d like to pass it to Jessica to get an update on the NFP story. Jessica Bibliowicz And I do know what time it is, so I will try and keep this a little bit lively today. Joining me is also Donna Blank our CFO and we also have Doug Hammond here who is our Chief Operating Officer and Abbe Goldstein who is our IR. So let me just run though this. I’m sure you all know about forward-looking statements. I won’t keep you on here too long. Okay, and just to give you a sense of NFP and I think 2011 was really a very strong year for our company and a year where you can really see the strengths of our business and of our value proposition and as Ed says, we have the wonderful position of being right in the front of the clients, not actually manufacturing the products. So open architecture is a very big deal to us.