Today we have a serious issue to discuss. A couple of weeks ago the group vice president went to a conference and returned convinced that First Guarantee needs to become a place that is more energetic and enthusiastic. He is convinced that energy and enthusiasm are the keys to productivity, successful recruitment, long-term retention, great customer service, and a host of other qualities that we need in order to compete in our changing and consolidating business. He called a meeting of the leadership group--and at that meeting he referred to the third floor as a ’toxic energy dump.’ That’s right , he called our floor a toxic energy dump and said it needed to be cleaned.