First, I want to wish you a Happy and Prosperous New Year! I am personally excited about investment prospects going forward and using the New Year to improve my professional capabilities each and every day. Also, I want to thank you for your trust in the decisions we make. As we have said many times, we are not always right and we don’t always win, but we do not make any decision without spending countless hours researching. One of the luxuries I am afforded in my profession life is the ability to sit, read, learn and analyze while at a job I truly enjoy (however, like most things in life, some days are better than others and some years are much better than others). Thank you for allowing me the opportunity to provide you with investment solutions.