PFS trust, investment and other servicing fees were $278.3 million, up $10.8 million, or 4%, from $267.5 million in the prior quarter, primarily reflecting the favorable impact of equity markets on fees and new business. Money market mutual fund fee waivers in PFS totaled $9.6 million in the current quarter compared to $10.3 million in the prior quarter.Foreign exchange trading income decreased 7% to $40.8 million compared to $44.0 million in the prior quarter. The current quarter decrease is attributable to reduced currency market volatility. Other operating income in the current quarter totaled $35.7 million, down $10.9 million, or 24%, from $46.6 million in the prior quarter. The prior quarter included a $5.3 million gain on foreign exchange contracts related to hedges of certain investments in foreign currency denominated subsidiaries. The current quarter includes lower income on employee benefit related assets held in trust by the Corporation and lower leasing related income. Net interest income on an FTE basis in the current quarter totaled $243.6 million, down $13.3 million, or 5%, compared to $256.9 million in the prior quarter. The decrease reflects lower average earning assets and a continued decline in the net interest margin. Average earning assets totaled $82.9 billion in the current quarter, down $1.6 billion, or 2%, compared to $84.5 billion in the prior quarter. The net interest margin decreased to 1.17% in the current quarter from 1.21% in the prior quarter. The prior quarter net interest income included a $5.1 million adjustment related to the amortization of premiums on certain investment securities. Absent this adjustment, the net interest margin would have been 1.19%. The current quarter net interest margin reflects lower yields on earning assets. The provision for credit losses totaled $5.0 million and $10.0 million in the current quarter and prior quarter, respectively. Net charge-offs totaled $5.4 million for the current quarter resulting from $16.1 million of charge-offs and $10.7 million of recoveries, compared to $11.9 million of net charge-offs in the prior quarter resulting from $16.3 million of charge-offs and $4.4 million of recoveries. Nonperforming loans and leases decreased $14.2 million, or 5%, as compared to the prior quarter. Residential real estate and commercial real estate loans accounted for 69% and 22%, respectively, of total nonperforming loans at December 31, 2012.