Over the years, Milberg has continued to add principals, but we have remained true to our tradition of responsiveness. Our operations are under one roof for one reason -- the efficient dissemination of information in order to be able to react quickly. Unlike large multi-layered firms, we don't have to spend hours in meetings. Instead, we are organized to spend the vast majority of our time talking to our clients -- staying on top of their evolving business needs. And should they need to adjust their financing to accommodate changing circumstances, they know we will work it out with them.