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Thank you all for being here tonight. Regency Title has been servicing the Northeast Ohio title and escrow industry for over 40 years. We have remained successful for so long primarily because of the loyalty you, our customers, have shown us. I offer you a heartfelt thank you. At Regency Title, we are continually working on innovative ways to better serve our customers. In the past few years, we have incorporated several exciting programs offering value and better service to realtors, lenders, and homeowners. We are particularly excited about our SAVINGS FOR SCHOOLS program. Regency Title takes pride in giving back to the community, and we have developed this program as a way to give money directly to area schools that need it most.