Commercial real estate has seen a whirlwind of excitement in 2017, from major closed deals and redevelopments to our revolutionary new mortgage product, there’s much to reflect upon and look forward to in the new year. The debut of our competitive mortgage loan, UC GO, was a huge highlight for UC Funds in 2017. Early this year we noticed commercial banks pulling back on commercial real estate financing due to increased regulations, and saw an opportunity for innovation. This led to our development of UC GO, the most aggressive mortgage product on the market today. Pioneering UC GO changed the game for UC Funds and commercial real estate lending entirely. Unlike many of our competitors in the current lending environment, the non-recourse loan provides quick turnaround, speed, and flexibility, offering borrowers an alternative path to long term reduction. In 2018, we look forward to closing many UC GO deals in the Mid-Atlantic region of the United States. 2017 also marked the grand opening of 329 Pleasant Avenue in East Harlem, New York. We originated the ground up construction loan and partnered with HAP Investment Developers in 2015 to create a Class-A, eight-story luxury apartment building in the rapidly growing area of Manhattan. We provided a $10.8 million first mortgage loan for the conversion and expansion of an existing building in Dobbs Ferry, a suburb of the prosperous Westchester County, New York. The apartments, containing 18 class A units, are located just five minutes from the Dobbs Ferry Station and will appeal to commuters looking for a quiet suburb in close proximity to Manhattan. The Palmier Foundation had an equally busy year. In wake of the tragic hurricane damage over the last few months, the Foundation contributed $1,000 to Hurricane Harvey relief efforts. Our hearts go out to all affected by these disastrous storms and hope that rebuilding efforts will progress quickly. Overall, commercial leasing is projected to continue its upswing as a result of the expanding economy. UC Funds looks forward to seeing what 2018 has in store for alternative lending and the commercial real estate industry as a whole. Daniel Palmier is president and CEO of UC Funds, a provider of debt and capital solutions.