What a fantastic year 2013 was for F P Group.  We had a 39% increase from last year and ended at $22,984,126.  We had 4 MGA’s in the top 10 while #1 and #2 Agencies in the Country were from our group.  We also had 4 personal producer’s in the top 10 in the Country and the #1 and #2producer’s again were from our Group.  We added several MGA’s to the team that we are very thankful for.  Now let’s focus on doing bigger things in 2014 and all work toward that financial freedom.  Thank you all for the hard work, we appreciate you very much.