Eight years ago, we restated the vision for Boston Mutual. We want to be "the best niche marketer of insurance products and services". Although not a new vision, this statement clearly focuses our efforts on what we need to accomplish to make our Company successful now and in the future. Boston Mutual's dedicated employees and professional sales force have continually made progress towards this vision. We have a successful core benefits strategy and enhanced our product offerings in our Worksite Marketing Division, have increased our agent recruitment and product portfolio in our General Agencies niche markets, and continue to focus on core products and quality producers in our Group Division.