I am proudly introducing Dick Hogan as my guest today. Dick is a member of the news media. He has been the lead reporter for the Fort Myers News Press covering the aftermath of the real estate market collapse in Southwest Florida and related issues such as the mortgage foreclosure crisis. I have worked with Dick for over ten years and he always writes the truth and quotes me correctly and in context. He does not skew his reporting to meet an imposed agenda. He is a shining star among a horde of less than honorable media people who seem to be more interested in pushing agendas than in actually reporting the news. Dick will bring a clear and fresh perspective to the news of today, especially real estate. I know his insights will be helpful. He is fun to talk with and even more enjoyable to listen to.