Goodmorning and welcome to join us for this InvestorsConference.Today, I am pleased to share our financial andoperating results this year, which reflect 10 years of growthin our assets, net income and share value.We will alsohave a discussion of our promising future.I'm sure we wilcontinue to deliver our best value to our shareholders.We are providing a good opportunity for our investors.As you know, we are a company with a history of 130years.We began with a period of unusual growth.Our advantages are based on our commitment to riskmanagement and financial practice.I believe this will provide our company with long-term growth and betterperformance than our peers.