It is my pleasure to update you on the progress that our Company has made during the third quarter of 2009.  It is now evident that the nationwide recession has ended and our U.S. economy has entered into the recovery stage, although a fragile one.  Despite the improving stock market and increasing manufacturing and residential construction, the credit markets, in general, and the megabanks, in particular, remain frozen providing the recovering economy with a real challenge to expanding the recovery...