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ART: Hello everyone! Obviously, since Ed and I posted our last video, we got an enormous amount of views on that video and a ton of comments, ton of questions; and I think that as we look through social media, we look through some of the different channels that we have access to, Ed and I have both come away a little bit concerned with some of the misinformation that may be going on out there. And we just thought it might be a good idea for us to get in front of you again and give you an idea of what the settlement actually says instead of what people are saying it says. We are going to go through some of the key elements of that settlement and talk about some of the different things that could be occurring over the next couple of months. One of the number one questions that weve gotten that I just want to say at the beginning, and Ill probably reiterate it when we go to the end, is that day-to-day, nothing changes for our brokers and our agents until th