Our steady approach has served us well over the past 25-years. We were again recognized with “Top Guns” status by PSN’s Informa Investment Solutions in seven separate categories for performance through June 30 and again at quarter end September 30. Our U.S. Large Cap, Small Cap and Balanced composites were among the top ten performers within their respective categories. Our Small Cap equity composite also received Bull & Bear Master designation for its superior performance in both up and down markets relative to the performance of the broader market; testament to our low volatility approach. If you know of anyone who could benefit from our approach to investment management, we welcome the opportunity to present our capabilities.