Everyone will be seriously prepared.

Overall, a lot of people will be making big life choices this year. Real estate will continue to be good. So will insurance and brokering. There will be a lot of coming and going of people in South Florida.

You name it, and I could call on Ted and he'd be there. He will go to the top. We are proud of Ted and know he will represent us wonderfully.

We will make sure we will reestablish appropriate financial controls.

The opportunities are endless. We want to show you some of the things we do and maybe it will spark an interest in your mind.

As the chairman knows full well, we will be providing our response on Friday, so I'm not sure what the point of his letter is.