2014 finished as another decent year. Wound up approximately 10%. We had the Ebola emergency breakout back in October which sent quite a wave through the market, overall it was a good year though. January 2014 we anticipated we'd end the year at a 18,000 Dow and we essentially did. 2015 looks to be an extremely unstable. We envision a return on equity of about 8%-10%. Expect to see oil prices stabilize in the next quarter as well as interest rates flattening out.