We are pleased to report that things have gone financially well for AEGIS since we were together at the Policyholders’ Conference. Our unaudited third quarter 2014 financial results show total surplus at September 30 at $1.206 billion, an increase of $50 million over year-end 2013. This growth is slightly ahead of plan partly due to investment returns of 2.9%, which is 90 basis points ahead of plan. Gross written premiums were strong, totaling $968 million, which is $5 million ahead of expectations for the third quarter, and $54 million higher than the same period last year. Our overall combined ratio is 96%, a satisfying result attributable in part to favorable runoff of prior year loss reserves. This is comprised of a 102% combined ratio for our U.S. operations and a 91% ratio for our London operations.