There is no question that our customers have been deeply affected by the recent recession. They have been doing more with less; spending smarter. We have seen individuals reducing their limits and coverages as well as more people going without auto insurance coverage altogether. Our goal is to offer affordable coverage options, such as our Low Cost product, and flexible installment payment plans in hopes that people will continue to protect themselves and their assets. And we’ve continued to work on improving our customer service. Our extended hours and investment in new technologies, such as virtual hold, will improve the overall customer experience.