Hi folks Kiva is hosting another Kiva Insights. Representatives from a few of the teams will interact with Matt, Premal, Michelle Kreger and Brandon. They will recap 2012 events and discuss new initiatives from 2013. Kiva would like to hear what team members have to say and what they would like to see in 2013. If you have any questions, please feel free to post here. or if you are shy, send me a conversation. I will try to summarize the most common comments/concerns and bring them up in the Q&A period.