TOM DUGGAN: Our first topic of this year'saward is the liquidity management category. This year our sponsoris Northern Trust and please to allow me to introduce JohnKonstantos with Northern Trust.

John has over 15 years of experience in financial services andcurrently is the senior relationship manager for the balance sheetand operations asset group, which is part of Northern Trust's assetmanagement business focus on corporate and institutional clients.John is responsible for the overall sales and servicing strategy inthe East region.

John joined Northern Trust in 2001 as a senior portfolio managerin the bank's corporate and institutional group coming from CorusBank in Chicago. In 2003, John moved to the role of senior bankercovering the East Coast in the corporate and institutional groupwith primary responsibilities of overseeing the credit functions,cross-selling the bank's products and prospecting for newclients.

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