J.G. Wentworth is the nation's largest purchaser of future payments, offering a lump sum of cash to individuals who hold assets in the form of structured settlements and annuities. And now through our newest subsidiary, J.G. Wentworth Life Settlements, LLC, we purchase life insurance policies from consumers. Over the years, the company has built an unparalleled infrastructure that combines dynamic sales and marketing techniques, a strong credit and underwriting culture, proprietary technology and a highly skilled and enthusiastic workforce. With several trillion dollars in total assets backing annuities, structured settlements and life insurance policies in the United States, we see a tremendous opportunity to help Americans who need cash now.