I am doing fine. As for the jobs, my First Virginia sources tell me that some employees are having some success and others are not. Many will have to relocate to North Carolina which is not surprising. The Tennessee employees seem to be really hit by the merger. Apparently, there are no jobs available down there. I am concerned about what happens a year from now with those employees who got jobs with BB&T. You know there will be some further consolidation particularly if BB&T continues to experience an earnings crunch. What do you think?