Investing today has no borders. As people worldwide discover the benefits of investing through Schwab, we will continue to extend our reach, helping overseas customers invest in U.S. markets and helping U.S. customers invest overseas. Schwab and its affiliates now have a presence in the United Kingdom, Canada, Hong Kong, Puerto Rico, U.S. Virgin Islands and the Cayman Islands. Six offices in California and New York offer specialized services for the Chinese-language community, and we have two Spanish-speaking offices in Florida. We offer live and automated telephone services in English, Spanish, Cantonese and Mandarin, and Charles Schwab, Hong Kong, Ltd. and Charles Schwab Europe both recently launched Web trading sites. We celebrate the diversity of our customers through the diversity of our employees and will continue to broaden our presence in this melting pot called the world.