When we look back at 2009, we are all reminded of the challenges that confronted our economy, including a recession that threw millions of Americans out of jobs, followed by a marked slump of consumer and business confidence. Overall, there was a general feeling of uneasiness and uncertainty that could possibly transform the nation toward a new frugality that might affect consumer buying behavior for years to come. Of course, Infinity’s business in 2009 was not immune to the vagaries of the economy. Our policyholders and agents keenly felt the economic downturn, and consequently our premiums fell for a second year in a row. Even though we expected the decline in our 2009 business plan, it was still a difficult pill to swallow.