Like many building societies, The Hanley has worked hard in recent years to demonstrate true member-engagement using various initiatives to keep in touch with our members and to invite dialogue. Our website,our member newsletters and our quarterly Customer Forums with myself and board colleagues have proven very valuable in ensuring that we are steering the business on a course which members can understand and support. Again this year we were proud to achieve 24% of members voting on our AGM resolutions as this level of voting will be amongst the very highest in the building society sector. These voting members gave the board outstanding backing with 97% in support of our annual report& accounts for our financial year 08/09,96% in support of the re-election of directors and 91% in favour of our remunerations policy. We are extremely grateful to our members for their unstinting loyalty and support, which we never take for granted and we know we must continue to earn in such difficult recessionary times. May I take this opportunity to wish all our members a very happy Christmas and a healthy and fulfilling 2010.