You and the firms that you represent are to be commended for persevering even in the face of great personal grief and professional stress, which may persist long into the future and, for many, will never be put entirely right. Our topic today is risk management, and I will turn to that shortly.
First, however, I would like to spend just a few minutes discussing my views regarding the state of the U.S. economy. The longer-term prospects for the U.S. economy remain sound, just as they were before September 11.