All this translates into increased shareholder value. Since 1995, our market cap has increased from $5.7 billion to $15.4 billion—an 18 percent compound annual growth rate. Our share price has increased nearly 160 percent since The Hartford became a public com- pany. During the same period, the S&P 500 increased 89 percent, and the Dow Jones Industrial Average 97 percent. It’s no surprise that our management team is highly regarded within the financial services industry and on Wall Street. We’ve built a strong leadership team, complemented by more than 27,000 dedicated employees who are nurtured and energized by a culture of success. Consequently, we had a smooth leadership transition over the past year. Tom Marra succeeded Lon Smith as president of our life operations and joined our board of directors. Lon retired after a 33-year career with The Hartford, and we owe him a tremendous amount of gratitude for building a strong and successful operation.  During 2001 we also welcomed two new members to our board of directors. Edward J. Kelly III, president and CEO of Mercantile Bankshares Corp., joined us in May, and we welcomed Charles B. Strauss, president and CEO of Unilever United States, Inc., in November. We’re well-positioned for growth in 2002. On Jan. 1 we renewed our relationship with AARP by signing a new eight-year contract to market auto and homeowner’s insurance to its 35 million members. Our small-business property-casualty operation continues to grow—premiums surpassed $1.2 billion in annual sales in 2001. We’re also in a leading position to take advantage of demographic shifts and to provide estate planning and investment and insurance products to baby boomers. We are very excited, too, about our new SMART 529 ™ college savings program, which offers flexible features and numerous tax advantages. And the growing small-business market segment is a key target for our 401(k) and group-benefits businesses. In fact, with $2 billion in fully insured premiums and $106 million in net income, the Group Benefits Division (GBD) had its best year ever. As our markets continue to grow and evolve, we stay intensely focused on the key strategies in all our businesses.  Soon after the Sept. 11 attack, The Hartford Chairman, President and CEO Ramani Ayer, left fore- ground, joined other industry CEOs in meeting with President Bush at the White House. During the meeting, the executives assured the president of industry support as the nation recovers. 