In 2003 we remained committed to our evolution in the financial services industry. It was a transformation that began almost three decades ago, when the brokerage industry was de-regulated. Discount brokerages were established which created competitive pricing and investment services. Ameritrade was never a follower in this movement. In fact, I made it a point to position Ameritrade as a leader in this expansion by continually delivering best-in-breed products and services for our clients. From touch-tone, Internet and wireless capabilities, to streaming products and analytical tools, the list of innovations is long and continues to grow. I have always believed the opportunity for online financial services is enormous, and so Ameritrade has made significant investments in our technology and brand. Those of us who made these decisions early on helped ensure a quality offering for clients and increasing competition among our peers.