As we close year 2016, we just want to take a moment to express our gratitude to our customers and associates who have made this year worth celebrating. I personally have many things to be grateful for and I hope that gratitude is evident in your transactions with me. For those of you struggling through this time of year, I hope you experience the comfort and joy of the season. My wish is that everyone take some time away from the bustle of work and everyday life and take a moment to breathe in the beauty of the now and allow a little sense of wonder to sink in. Best wishes to all in your traditions and I look forward to speaking with you in the brand new year, 2017.