Other than what you have heard from the TV or radio, how many of you have actually sat down to research the concept of man-made global warming?  Well, that’s exactly what I have spent a good portion of the past month doing, and I’m here to report my findings to you today.  It all started with my wanting to answer the questions, “Is the increase in hurricanes this year the result of man made global warming?”, and “Do I have reason for concern going forward with relation to investments in Florida?”, and it took me down a slippery slope of new questions which I just kept needing to find the answers to.  I'm sure you will find this a fascinating show.