As we close the book on 2025, I want to start with a sincere thank you. We once again received the Reader’s Choice awards from both the Delaware State News and the USA Today Delaware publications. We are grateful and even motivated by your show of confidence reflected in these recognitions and more so in the number of referrals that contact our office each week. Thank you. 2025 Performance & Risk 2025 was a particularly good year for our flagship models, generating returns of
