I want to start by saying I hope everyone is OK during this trying time. I know this has been a difficult month for each and every one of you, myself included. Some of you may not have been able to collect the information we talked about last month and

WOW! I can’t believe it has already been a month since we last talked. I am going to pick up where we left off last month. If you recall, or if you are just joining us, we decided that the first thing we needed to do was to understand