Thanks Norm, appreciate the comments. There is one person, a former member of the senior management team that had the respect and admiration of every employee I knew (I was an employee for 30+ years). Henry Williamson was a brilliant banker and a great leader. Henry, those of us who knew you and were priviledged to work with and for you have really missed you. It would be great if we could hear from you on this board as no one has ever commanded the respect and complete credibility that you did. Your opinions would be very welcomed!