We'd like to welcome Dave and Erica. Dave has been the Senior Vice President of Career Sales, Long Term Care Division, for Genworth Financial since December 2004. He joined the financial services industry in 1990 with Lutheran Brotherhood, where he worked for 12 years. Starting off as an agent, and then General Agent, Dave was elected Chairman of LB's General Agent Advisory Council, and after consecutive years leading the Garden State Agency to Agency of the Year honors, was inducted into Lutheran Brotherhood's Hall of Fame. As the Executive Vice President and Chief Marketing Officer from 1998-2002, LB experienced it's three best sales years ever, and merged with Aid Association for Lutherans, forming the largest Fraternal Benefit Society in the country, with nearly 3000 advisors and more than 2.5 million members. Before moving into financial services, Dave enjoyed a successful 14-year career as a player, coach, and general manager in the European Professional Basketball League, coaching in Spanish, French, and Dutch. Currently, Dave serves on the LIFE Foundation Board and GAMA's Executive Management Cabinet. Dave is also an active member of LIMRA's Distribution Leader's Round Table. Dave is a graduate of Penn State University, where he was captain of the basketball team. In addition, Dave completed the Advanced Management Program of the Wharton School at the University of Pennsylvania. Erica is SVP, and Head of Relationship Management and Client Services at ING Investment Management. In her role, Erica brings together all of the elements of relationship management, as well as the operational aspects of client service, in order to provide clients with seamless coordination throughout the organization. Erica recently joined ING after 22 years experience in the financial services industry. She spent the past 15 years at General Electric, with 10 of those at GE Asset Management, where she held a number of positions, including Six Sigma Leader, Global Compliance Leader and most recently, Vice President of Client Investment Management Services. Her responsibilities included all client facing interactions, ensuring delivery of the highest levels of service. Dave and Erica are planning on retiring to Ojochal within the next few years and living out the next forty years together with lots of relaxation and sunshine. They can't imagine a healthier place to live, ... in a more peaceful setting!