We sincerely thank all of those who have trusted us by referring their Merck colleagues to us over the past 35 years. We have recently been blessed with more referrals than we can manage well, so we have no choice but to announce that we will be closed to new clients for the foreseeable future as we offer to serve those already on the wait list. As you know, we have an intentionally small number of long-term clients for a firm our size, since the planning we do is very customized. We truly wish we could help everyone who contacts us, but the quality of service we deliver to you could end up being diminished. Forming additional relationships would not only be a disservice to them but to you. Thank you for your understanding.