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will reduce the deficit and debt to reasonable levels. Frankly, we see that as a combination of hope and speculation. One can run neither a company nor a country on that foundation. We budget first the things we can control, namely expenses. We implore our elected leaders to make 2013 the year that they cut expenditures to balance the budget and rely on revenue growth to further reduce the debt. We must balance the budget and pay down the debt…by trillions, not billions. Now. 

## Sincerity: People and Values 

We can’t say enough about the commitment and capability of our 400 Century Associates. When foul weather, family calamity, or industry changes bring challenges, our colleagues faultlessly respond with time, ability and ingenuity. A great many of them have worked together for decades, a rare condition in our industry that makes our teamwork superb. Most of the achievements described above are the result of the talent and resourcefulness of the Century team. 

Finally, we see so clearly our family and corporate values of industry, fairness, and community. The more we watch the revealed unethical behavior of many of our “giant” competitors, through their government fines and settlements, the more pride we bring every day to our mission. We thank our shareholders, our clients, our associates, and our communities, for their confidence and relationships. We will endeavor to make 2013 another year of achievement through ability. Gratefully, 

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