I would like to welcome you each to today’s Prosperity Mortgage FHA Forum. And congratulate each of you for making a very smart decision to attend. Today, you will benefit from the expertise of the Long and Foster families. You will hear from loan officers about the latest changes in FHA financing. You will hear about how much easier FHA financing is than it once was in the dispelling the myths section. You will hear from FHA underwriters and appraisers. Our title partners and seasoned Realtors will discuss with you how to write and how to sell the FHA contract. And perhaps most exciting, you will participate in a Q&A session where you get to ask the experts the questions you need answered. So, let’s get the program started. Thank you, and enjoy.