I’m sorry it has taken as long as it has. It has put us a little bit behind schedule, but I hope that you found that the spirit of our questions and the nature of our questions really indicates a desire to get at answers rather than to make pronouncements.
COMMISSIONER CAREY: I’d like to thank all the panelists for your thoughtful and candid responses and tell you that I found it quite helpful.
CHAIRMAN LEVITT: I’m sorry we’ve delayed you a half hour. All of us have read a good deal of what you write about, and we know your opinions are strongly held and usually strongly stated. Please.
First of all, I’d liketo thank the Commission for the honor of being here today to express some of those opinions
As part of my opening remarks, I’d like to present a little background information about myself and my firm, because I understand that a little firm in Baltimore called R.G. Associates is not as widely known as any of the Big 5. So let me describe a little bit about my background in order to provide some context for my comments.