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Nick Ruggiero, Banc of America Securities, New York; Jay Skolnick, Forge Financial, Boca Raton;Scot Krempa, Puglisi, New York.

John McFarland, JP Turner, Atlanta; Chris Cappillo, Garban, Jersey City; Tony Johnson, Morgan Keegan, Memphis.

Carl Steiniger, Ryan, Beck & Co.; Steve Kay, Bernard L. Madoff Investment Securities, both New York.