Thank you, Mr. Chairman. In preparing for this meeting I started out looking at previous forecasts, as President Minehan and Governor Ferguson did. I noted that we’ve had, for the past three years now, a forecast that the economy will get better in the second half of the year. We missed it the first time in 2001 because of a terrorist attack and the second time in 2002 because of corporate governance scandals. I don’t know if I’m optimistic or pessimistic about it happening a third time, but I could hope that the new chairman of the Public Company Accounting Oversight Board might have some effect on the risk of that.