Consolidated gross margin as a percent of revenue was 30 percent, the same as for the fourth quarter of 2011. Selling, general and administrative (SG&A) expenses declined 18 percent in the quarter.Full Year Results Total revenue declined 7 percent to $602.0 million compared to $648.1 million for the full year 2011. Over half of this decline was attributable to reduced volume with the large financial services customer and the remainder was primarily the result of Legacy product unit volumes declining more rapidly than growth in Core solutions sales. For 2012, Core solutions declined 0.3 percent. Legacy products declined 12 percent. At the end of 2012, Core solutions comprised 43 percent of revenue, compared to 40 percent at the end of 2011. Legacy products correspondingly declined to 57 percent from 60 percent for the same periods. Healthcare revenue declined 9 percent to $215.9 million from $236.8 million in 2011. Operating income for 2012 decreased 12 percent, to $12.7 million from $14.5 million for the prior year. Business Solutions revenue declined to $386.1 million from $411.3 million for 2011. Nearly all of the decline was from reduced volume with the large financial services customer. Operating income for 2012 more than doubled to $8.1 million from $3.5 million for 2011. Consolidated gross margin as a percent of revenue was 30 percent for 2012, compared to 31 percent for 2011. SG&A expense declined 13 percent to $180.7 million from $206.9 million in the prior year. Cash flow on a net debt basis was positive by $8.2 million for 2012 compared to negative cash flow of $11.6 million for 2011. Capital Expenditures, Restructuring and Pension Contribution Updates For 2012 capital expenditures were $6.0 million. The Company continues to invest at a prudent level to support Core technology solutions growth and to increase efficiencies with management reporting capabilities. Restructuring efforts have more clearly defined investments that will produce the best return. The Company expects capital expenditures for 2013 to be within the range of $15 million to $18 million.