...Thanks, everybody, for joining us here at the Third Annual Wolfe Healthcare Conference. My name is Justin Lake. I cover health care services here. Pleased to have Cigna. We've got the company's CFO, Brian Evanko; and IR, Alexis Jones. So feel free to e-mail me or put a question in here in the Q&A box with any questions. But given we started a little late, Brian, I would skip the State of the Union and I'm going to go straight into Q&A, if that's all right. Brian C. Evanko ...