Risks and uncertainties exist that may cause results to differ materially from those set forth in these forward-looking statements. Factors that could cause the anticipated results to differ from those described in the forward-looking statements are also described on page four of today’s news release.Management’s commentary contains and responses to your questions may also contain certain financial measures that are not presented in accordance with generally accepted accounting principles, including a personnel and other operating expense ratio. The company presenting, the company is presenting these non-GAAP financial measures because they provide company’s management and investors with additional insight into the operational efficiency and performance of the company relative to earlier periods and relative to the company’s competitors. The company does not intend for these non-GAAP financial measures to be a substitute for any GAAP financial information. In today news release, which is available on our website, www.firstam.com, the non-GAAP financial measures disclosed in management’s commentary are presented with and reconciled to the most directly comparable GAAP financial measures. Investors should use these non-GAAP financial measures only in conjunction with the comparable GAAP financial measures. With that, I will now turn the call over to Dennis Gilmore. Dennis Gilmore Thanks, Craig. Good morning and thank you for joining our call. I’ll review the highlights for the second quarter, then I’ll provide some comments on our outlook for the third quarter and the full year. Total revenues for the second quarter were $1.1 billion, an increase of 18% relative to the second quarter of 2011, and up 13% sequentially. Net income in the current quarter was $73 million or $0.68 per share. In the second quarter, we achieved a total margin of 11.7%, our best results since 2005. Our cost efficient and scalable operations built over the last several years enabled us to demonstrate excellent operating leverage in the quarter.