This has been an incredible year. A challenging year for all. We have been waiting and watching the multifamily markets and determining next steps. One thing is clear in the midst of this recession: multifamily apartments have been an excellent place to deploy capital. Across all of our holdings, our average occupancy rate is above 93%. We have been able to work with tenants who have had financial distress and that has gone well both for them and the community. In short we ar