I framed my comments and slides like a Top Five list and wound up feeling like half a Dave Letterman more than a senior manager of a reknowned mortgage company. And that was certainly my intention today. My boss, Ben, whispered something to someone at the table. His chair scraped the hardwood as he rose to address the table. As all of you know, Tony Wilson and his team had a great year last year.
Costs are down, revenues are up . . .
And . . . he scored in the top ten percent on the employee perspectives survey last year. He s here today to tell us about next year s success. He turned to me. The vultures are all yours. Take it away, Mr. Tony.