Based on the performance in 2005 and what is on the horizon, the growth will be sustainable for this year.

The OFW factor is an important factor. It is something that we cannot ignore. It is benefiting us and other developers as well.

Idaho's economic performance continues to rank with the best in the nation. Most signs suggest solid growth will remain on track in the New Year.

In Europe, the stronger growth and reductions in unemployment are now arriving, ... But for better performance to endure, Europe will require substantial structural reforms.

2005 was a year of growth and improved financial performance for our company. 2006 will be a year in which we will continue to make investments to position our company for continued growth. Key investments will be made in people, technology and our distribution network.

The trend of higher growth, lower interest rates and the performance of past investments are factors that will strongly attract investments to the Brazilian capital market.