We appreciate your business, and we know you are busy, but I want to share a very important update with you. While Box Financial has become known for our investment approach, first and foremost our heart is to be a best-in-class financial planning shop. The greatest sign of the commitment to this goal is to let you know your advisor Logan Bennett has completed the process to officially become a CERTIFIED FINANIAL PLANNER™ professional. If you were not aware he completed his MBA, this spring with a concentration in stewardship based financial planning.  Now combined with the CFP, Logan is now at the top of our industry and recognized for his expertise. Please join me in congratulating him on an extremely successful year. He is a tremendous asset as the Vice President – Planning here at Box Financial.