We remain committed to our customers, and the new rates, which continue to be competitive, reflect our relentless pursuit to continuously invest in our business.

These have been exciting, unforgettable years. I remain strongly committed to Nokia and am keen to continue contributing to Nokia's strategy and renewal, helping it to build on its position as the undisputed leader in mobility,

The auto insurance market is extremely competitive, and we're constantly reviewing our rates to remain a top player in the state. While Dimensions is already a huge success, we're thrilled to be offering it at even lower prices. This will certainly give our 117 personal lines agents in Indiana one more reason to quote The Hartford.

Virtual proofing continues to be a swiftly changing technology and we're committed to providing our customers with the latest technologies and tools. Remote Director 3.2, along with the JDF enabled automation, answers the needs of today's graphic arts community, as we continue to listen and work with our partners in developing additional enhancements that will give them an edge in their business.

Vacancy rates should remain low in 2006 and lease rates will continue to rise dramatically. Landlords should enjoy a prosperous 2006 as tenants will fight to obtain space in an ever-tightening market.

We're so close, and sometimes the scores may not reflect that, but we're so close to being competitive in this league. There's a lot of things we're doing better now that we weren't doing at all earlier in the year. Coach always says it's a marathon, not a sprint, but that's the truth.