Washington, DC…Hello, everybody. As we close the books on one year and begin another, I wanted to take a moment today to wish you a very Happy New Year and talk a little bit about the year that lies ahead. At the start of 2011, we’re still just emerging from a once-in-a-lifetime recession that’s taken a terrible toll on millions of families. We all have friends and neighbors trying to get their lives back on track.

We are,