Consolidated operating income decreased by $8.1 million, and that was an 11.1% decline from the first quarter of 2011. We continue to make increased investments in new business development for brokerage, retirement and insurance verticals. And we also had business expansion costs incurred in the quarter for DST Output Canada, where they're expanding the plant. And those are the primary reasons for the decline from last year.Financial Services operating revenues increased by $30.3 million. That was a 10.8% increase over the first quarter of 2011. $23.8 million of that increase was the inclusion of ALPS. We also recorded revenue increases for brokerage, retirement, healthcare and the AWD product. Mutual fund shareowner account fees declined. That was a result of lower registered accounts being serviced. However, software license revenues were $2.6 million or 29.5% more than the first quarter of 2011, primarily from higher AWD license fees. The Financial Services cost and expenses increased by $34.1 million or 17% over the first quarter of 2011. That reflects the inclusion of operating cost of ALPS and the other businesses acquired during '11. And also, business development and start-up costs for insurance, brokerage and retirement, those businesses, the start-up costs actually increased by $6 million to a total of $11.6 million for the quarter. Depreciation and amortization was up by $3.4 million. $2.3 million of that was attributable to the 2011 acquisitions. Financial Services income from operations decreased by $7.2 million, or 11.5%. We had $3.1 million registered accounts that converted to sub-accounting. $1.7 million of those converted to DST's sub-accounting system, and the balance went to other platforms. We did have 300,000 accounts of organic growth and 500,000 new account conversions, so that the net reduction in registered accounts was 2.3 million. The sub-accounts processed actually increased by 2.1 million for the quarter. That included the conversion of DST's registered accounts of 1.7 million and a combination of organic growth and conversions of 400,000 accounts to our platform, and that comes to the increase of 2.1 million for the quarter.