Thank you Rich. Here are a few of my concerns which have the potential to influence Syncora's PPS over the next 12 to 24 months. Esposito and the boys do nothing or the minimum to enhance shareholder value. Puerto Rico turns out a lot worse for the bond insurers. The financial sector gets blindsided by unforeseen circumstances. An intractable bear market takes hold. And Syncora does not get off the pink sheets. IMO.