In the fourth quarter of 2012, we identified an error in the fair value measurement of single family loans held for sale that understated the recorded amount of the loans, thereby delaying the recognition of a portion of the secondary marketing gains until the time that the loans are sold, which generally occurs in the month following loan funding. The correction of this accounting error resulted in an increase to net gain on mortgage loan origination and sale activities and a related increase to loans held for sale in our consolidated statements of operations and consolidated statements of financial condition of $914 thousand, $1.3 million, $1.1 million and $1.3 million in the first, second, third and fourth quarters of this year, respectively. The fourth quarter amount represents a correction of the cumulative effect of the error for prior years, which was immaterial. Accordingly, we have recast the consolidated statements of operations and consolidated statements of financial condition for those periods for these immaterial amounts.Mortgage Servicing Mortgage servicing income of $651 thousand in the fourth quarter of 2012 decreased $5.3 million, or 89.1%, from the fourth quarter of 2011. For the full year, mortgage servicing income was $16.1 million, down from $38.1 million in 2011. The decrease from prior year periods for the quarter and year largely reflects a reduction in sensitivity to interest rates for the Company's mortgage servicing rights (MSRs), which has enabled the Company to reduce the notional amount of derivative instruments used to economically hedge MSRs. The lower notional amount of derivative instruments, along with a flatter yield curve, resulted in lower net gains from derivatives economically hedging MSRs, which negatively impacted mortgage servicing income. In addition, MSR risk management results for the quarter and for the full year reflect the impact in the fair value of MSRs due to changes in model inputs and assumptions related to factors other than interest rate changes, which are not within the scope of the Company's MSR hedging strategy. Such factors included changes to the Federal Housing Administration (FHA) streamlined refinance program and higher expected home values, both of which generally lead to higher projected prepayment speeds, and resulted in a net loss from MSR risk management activities in the fourth quarter of 2012. Mortgage servicing fees collected in the fourth quarter of 2012 increased $1.0 million, or 15.4%, over 2011 and increased $355 thousand, or 5.0%, as compared to the third quarter of 2012. The total loans serviced for others portfolio increased to $9.65 billion in 2012 compared to $7.70 billion at December 31, 2011.