The segment’s Gibraltar Life and Other operations reported adjusted operating income of $315 million for the current quarter, compared to $202 million in the year-ago quarter. Results for the current quarter reflect absorption of approximately $10 million of integration costs related to the Star and Edison businesses acquired on February 1, 2011, while results for the year-ago quarter include $94 million of such costs. Excluding these integration costs, adjusted operating income increased $29 million from the year-ago quarter. This increase reflected approximately $50 million of cost savings resulting from business integration synergies compared to approximately $10 million in the year-ago quarter. The benefit to results from continued business growth was more than offset by a less favorable level of policy benefits and higher current quarter expenses including costs associated with technology enhancements. Current quarter results also benefited $16 million in comparison to the year-ago quarter from foreign currency exchange rates including the impact of the Company’s currency hedging programs.Corporate and Other operations resulted in a loss, on an adjusted operating income basis, of $371 million in the fourth quarter of 2012, compared to a loss of $285 million in the year-ago quarter. Current quarter results include a charge of $54 million to increase recorded liabilities for certain employee benefits, reflecting the completion of a review, and a charge of $15 million to write off bond issuance costs on debt securities redeemed prior to maturity. Excluding these charges, the loss from Corporate and Other operations increased $17 million from the year-ago quarter. This increase was primarily driven by higher interest expense, net of investment income, reflecting a greater level of capital debt in the current quarter. Assets under management amounted to $1.060 trillion at December 31, 2012, compared to $901 billion at December 31, 2011. The net loss of the Financial Services Businesses attributable to Prudential Financial, Inc. amounted to $214 million for the fourth quarter of 2012, compared to net income of $522 million in the year-ago quarter. The current quarter net loss includes $1.698 billion of pre-tax net realized investment losses and related charges and adjustments. The forgoing net loss includes pre-tax losses of $1.527 billion representing net changes in value relating to foreign currency exchange rates primarily resulting from changes in value of the Japanese yen in relation to other currencies. These currency-driven value changes were largely offset by corresponding adjustments to accumulated other comprehensive income which are not reflected in net income or loss. Net realized investment losses for the current quarter also include net losses of $134 million from products that contain embedded derivatives and associated derivative portfolios that are part of a hedging program related to the risks of these products as well as mark to market of derivatives under a capital hedge program. Net realized investment losses also reflect losses from impairments and sales of credit-impaired investments amounting to $59 million. These losses were partly offset by net gains from general portfolio activities.