We generated more loans in 2001 than any other year in our history, easily exceeding our portfolio goals. What makes this claim different from many others? We capitalized on our customer access by cross-selling profitable lending and deposit products, and we used the stream of originations to manage our portfolio mix. Today, residential mortgages account for 39% of our portfolio, down from 66% in 1997. Nonetheless, 95% of this diverse loan mix is secured, with 60% backed by single and multifamily real estate. What’s more, we continue to see charge-off levels running at half those of our banking peers. We believe that trend will continue in 2002. As a result, I can honestly say we are positioned to continue delivering great results in 2002 and beyond.