As the area's leading health insurer, Independence Blue Cross is steadfastly committed to its mission of enhancing the health and wellness of the people and communities we serve. In support of this mission we have taken a close look at our current tools, systems, and processes to identify opportunities to streamline and improve. Earlier this year, we announced an agreement we established with Highmark to use their core operating platform for our core processing activities. Moving our processing capabilities to a new platform will help us gain efficiencies and lower operating costs. It will also help us to add new capabilities that enhance the overall customer experience. Beginning in 2013, Blue-branded business will begin moving in a series of waves over a 12 to 24 month period according to customer and the kind of health plans each customer offers. We have had a strong, productive relationship with Highmark for decades and this is yet another example of how we are working with our Blue partners to transform the delivery of health care. As a key early step in the platform activities, we will begin to engage trading partners and clearinghouses on upcoming EDI changes. We are committed to working closely with our physicians and hospitals to provide continued information, support, and necessary training. IBC is also committed to ensuring a seamless transition with comprehensive communications and tools to support our members and providers before, during, and after the migration to the new operating platform.