Just to let you know that we are beginning to create a new community for members on the ACORD website called 20/20 and you may have seen it under the COMMUNITY tab. It is under development but we will personally invite senior executives of member firms to participate. We plan to engage our solution provider leaders as well as their clients in order to better serve the industry. While it is an open conversation, it will stress future plans. Spero Zacharias, Senior Vice President of Chubb chairs our 20/20 program at the request of our Board of Directors. I will keep you posted on our progress from time to time and help you to be sure that your leaders are on-line and connected.