Stephen Tanal | CFA, VP, IR |
Gail Boudreaux | President, CEO |
John Gallina | Executive VP, CFO |
Peter Haytaian | President of our Diversified Business Group |
Morgan Kendrick | President of our Commercial and Specialty Business Division |
Felicia Norwood | President of our Government Business Division |
A.J. Rice | Credit Suisse |
Justin Lake | Wolfe Research |
Lance Wilkes | Bernstein |
Matthew Borsch | BMO Capital Markets |
Ralph Giacobbe | Citi |
Lisa Gil | JPMorgan |
Gary Taylor | Cowen |
Steven Baxter | Wells Fargo |
Rob Cottrell | Cleveland Research |
Ricky Goldwasser | Morgan Stanley |
Kevin Fischbeck | Bank of America |
David Windley | Jefferies |
Steven Valiquette | Barclays |
Scott Fidel | Stephens |
George Hill | Deutsche Bank |
Joshua Raskin | Nephron Research |
Whit Mayo | SVB Leerink |
Frank Morgan | RBC Capital Markets |
Ladies and gentlemen, thank you for standing by and welcome to Anthem's Third Quarter earnings conference call. At this time, all participants are in a listen-only mode. Later, we will conduct a question and answer session where participants are encouraged to present a single question. [Operator instructions]. These instructions will be repeated prior to the question-and-answer portion of this call.