We look forward to building on the IFS reputation for quality and service. And, although we think the IFS institutional and retail bank funds platform was very successful in its targeted geography in the Midwest, we believe there is a much broader national market opportunity. Therefore, a priority focus for us will be to expand more broadly across the retail marketplace, We envision American Independence as a new kind of investment management firm -- big enough to offer expertise, quality, and choice to serve a variety of investing needs, but not so big that we can't provide the personal or customized service we think our clients seek and value.

Eric Rubin