Letter from a CEO

Dear Readers,Our commitment to deliver value to shareholders rests on a clear recognition that, as a public company, we are stewards of other people's money. We work for those whose capital we are investing. We believe they invest in us expecting superior long-term return, with acceptable risk. We must never - and will never - lose sight of that fact.While we are obsessive about abiding by the laws and regulations of every jurisdiction in which we operate, compliance alone is not enough. Laws