William McDowell | Vice President of Investor Relations |
David Cordani | President and Chief Executive Officer |
Eric Palmer | Chief Financial Officer |
Justin Lake | Wolfe Research |
Kevin Fischbeck | Bank of America |
Dave Windley | Jefferies |
Steve Tanal | Goldman Sachs |
AJ Rice | Credit Suisse |
Ralph Giacobbe | Citi |
Sarah James | Piper Sandler |
Gary Taylor | JP Morgan |
Josh Raskin | Nephron Research |
Lance Wilkes | Bernstein |
Peter Costa | Wells Fargo |
Frank Morgan | RBC Capital Markets |
George Hill | Deutsche Bank |
Ricky Goldwasser | Morgan Stanley |
Scott Fidel | Stephens |
Steven Valiquette | Barclays |
Charles Rhyee | Cowen |
Good morning. Ladies and gentlemen, thank you for standing by for Cigna's Fourth Quarter 2019 Results Review. At this time, all callers are in a listen-only mode.
We will conduct a question-and-answer session later during the conference and review procedures on how to enter queue to ask question at that time. [Operator Instructions] As a reminder, ladies and gentlemen this conference including the Q&A session is being recorded.