Well, this is our last public company valuation model. It has several advantages over the preceding valuation models. What do you think is the most significant difference between traditional DCF models and the residual income models? If an analyst were to spend a lot of their time with either model where would they spend the bulk of their time forecasting cash flows or adjusting BV if they were to use either model? Why do you think Wall Street has shied away from the RIM? Of all the models we have covered which methodology do you find yourself aligning with? Lastly, do you consider yourself a "Growth" investor or a "Value" investor or neither and how would you align Growth and Value approaches with either the DDM or RIM.