Lisa Stoner | Vice President-Investor Relations |
Bruce Broussard | President and Chief Executive Officer |
Susan Diamond | Chief Financial Officer |
Josh Raskin | Nephron Research |
A.J. Rice | Credit Suisse |
Justin Lake | Wolfe Research |
Kevin Fischbeck | Bank of America |
Stephen Baxter | Wells Fargo |
Scott Fidel | Stephens |
Gary Taylor | Cowen |
Nathan Rich | Goldman Sachs |
Lisa Gill | JPMorgan |
Michael Ha | Morgan Stanley |
Steven Valiquette | Barclays |
George Hill | Deutsche Bank |
Ben Hendrix | RBC |
Good day and thank you for standing by. Welcome to the Humana Fourth Quarter Earnings Conference Call. At this time all participants are in a listen-only mode. After the speakers’ presentation, there will be a question-and-answer session. [Operator Instructions]