This past year has been a year of education for us.  We've attended many programs, including the Institute for Private Investor's Private Wealth Management program held in conjunction with U. Penn.'s Wharton school, as well as various conferences organized by Campden Conferences, Pilot Summits, Baker & McKenzie and the Society of Trust and Estate Practitioners, among many others.  We will continue to strive to fully educate ourselves and keep up to date with the latest trends in the industry as we work to establish the foundations of our investment office.