We wish you and yours a very Happy New Year. As we start 2021 we find ourselves reflecting on the truly unique circumstances we faced as a business and we all faced as individuals in 2020. We entered 2020 with a significant volume of loans in the hospitality asset class, as this niche has been a core focus of ours for many years. During the initial stages of the pandemic, we focused our team on the management of our existing portfolio, working with our borrowing customers to ensure they had the financial resources necessary to manage through the ensuing business slowdown from the pandemic. We found that a significant number of our borrowers were well equipped to continue to service their debts in spite of the significant declines in business, and we made payment concessions to certain other borrowers that we expected to be the most impacted by the slowdown in travel.