Turning to HR Solutions, overall organic revenue growth improved to 3% compared to minus 1% in the prior year quarter. We saw a growth across both businesses despite weak discretionary spend globally and continued economic pressure in Continental Europe. Performance primarily reflects strong growth in areas where we're making significant investments in the business in areas such as HR BPO, investment consulting, pension and risk management consulting and health care exchanges. These investments reflect Aon Hewitt's deep understanding of market trends and the long-term issues that face our clients, such as health care costs and associated financial risk that will continue to rise unchecked at a time when overall health and wellness is not improving.

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