We are pleased to share with you the news that Marsh has closed on its previously announced acquisition of Wortham Insurance. Marsh and Wortham are distinguished by long, successful histories. The combination of our firms provides the opportunity to deliver even greater value to our clients with strong risk expertise and unparalleled client focus and service. The business going forward will operate as Marsh Wortham, a division of Marsh USA Inc, with Richard M. Blades, previous Chairman of Wortham, as its CEO. Wortham's clients will continue to work with their existing service team, including having the flexibility to utilize their existing international brokers, while gaining the benefit of access to the wide range of global capabilities and product offerings of Marsh. We look forward to providing outstanding local service with an entrepreneurial spirit, while bringing our collective world-class expertise to businesses and individuals across the region.