Thank you very much. It's good to be in Boston. I'd like to thank Peter Rollins, your president, for the invitation to join you. And Tom May, thank you for that very kind introduction.

Let me start with the economy.

If anybody wants a firm prediction of when we can expect a strong recovery, I'm afraid an educated guess is the best I can do. The short answer is that it will surely take time, and most likely 2009 will be gone before the worst is behind us. But if it's optimism and confidence you're looking for, that I can offer. Despite some serious flaws in the financial markets,...]]>