We coupled that technology investment with dramatic pricing reductions, which have now basically run through the whole industry.

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We expect continued growth in 2006 even though the market will be flattish. January is usually a very good month, but it's not clear at this point where growth will come from.

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We are pleased to establish an alliance with one of the top underwriters in the industry, and believe that access to the additional investment opportunities offered through this relationship will significantly benefit our customers.

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We continue to make significant investments in our brokerage business to strengthen our overall offering and ensure Fidelity's retail and institutional brokerage customers have access to the technology, services and investment products they need to be successful.

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All our businesses are increasing market share relative to their competitors. Our numbers exceeded budget.

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