Good morning. My name is Lusitania, and I will be your conference operator today. At this time, I would like to welcome everyone to the Sallie Mae 2011 Third Quarter Earnings Call. All lines have been placed on mute to prevent any background noise. After
Lack of demand and investment elsewhere is keeping large companies on the hiring sidelines, say Morningstar's Bob Johnson and Vishnu Lekraj. Get their forecast for Friday's employment report.
Director of fund analysis Karen Dolan explains Morningstar's new forward-looking ratings and how investors can use them to find the top funds for their portfolios.