The Company’s GAAP combined ratio was 99.3 percent in the third quarter of 2012 compared to 116.6 percent in the third quarter of 2011. For the nine months ended September 30, 2012, the GAAP combined ratio was 101.8 percent compared to 121.0 percent in 2011.At September 30, 2012, consolidated assets totaled $1.3 billion, including $1.2 billion in the investment portfolio, and stockholders’ equity totaled $392.6 million, an increase of 11.4 percent from December 31, 2011. Net book value of the Company’s stock increased to $30.46 per share from $27.37 per share at December 31, 2011. Book value excluding accumulated other comprehensive income increased to $26.59 per share from $25.25 per share at December 31, 2011. On October 18, 2012, management announced that, based on actual results for the first nine months of the year and projections for the remainder of the year, it was revising its 2012 operating income guidance to a range of $2.05 to $2.30 per share. This guidance is based on a projected GAAP combined ratio of 101.3 percent for the year. Management has reaffirmed that guidance. During the first nine months of 2012, no shares were repurchased under the Company’s stock repurchase program. Employers Mutual Casualty Company’s (the Company’s parent organization) stock purchase program is dormant and will remain so while the Company’s stock repurchase program is active. Management currently expects losses associated with Hurricane Sandy, which made landfall along the southern New Jersey coast on October 29th, to reach the $4,000,000 cap on losses per event in the reinsurance segment. Based on preliminary data, losses from this event are not expected to be significant in the property and casualty insurance segment. Losses associated with Hurricane Sandy will be reflected in the Company’s fourth quarter results. The Company will hold an earnings teleconference call at 11:00 a.m. eastern standard time on November 6, 2012 to allow securities analysts, stockholders and other interested parties the opportunity to hear management discuss the Company’s results for the quarter ended September 30, 2012, as well as its expectations for the remainder of the year. Dial-in information for the call is toll-free 1-877-407-9205 (International: 1-201-689-8054). The event will be archived and available for digital replay through February 6, 2013. The replay access information is toll-free 1-877-660-6853 (International: 1-201-612-7415); passcodes required for playback: account number 286, conference ID number 400625.