At Risk Talent Assoicates, www.risktalent.com, we are seeing a definite uptrend in recruiting activity in 2013. Client inquiries are up 40% already year to date, as compared to 2012. While we are only a week into 2013, the activity level seems to be at a four year high. My conversations with CRO’s seem to point to a slight uptick in headcount, but CRO’s are also saying that they are under business pressure to upgrade their risk organizations, so that if the economy picks up in 2013, they won’t be left with open positions and challenging recruiting. Please provide some insight on your thoughts for risk hiring in 2013.