Lisa Stoner | Vice President of Investor Relations |
Bruce Broussard | President and Chief Executive Officer |
Susan Diamond | Chief Financial Officer |
Kevin Fischbeck | Bank of America |
Matthew Borsch | BMO Capital Markets |
Stephen Baxter | Wells Fargo |
Ricky Goldwasser | Morgan Stanley |
Joshua Raskin | Nephron Research LLC |
Kevin Caliendo | UBS |
Scott Fidel | Stephens |
Ralph Giacobbe | Citi |
Justin Lake | Wolfe Research |
Steven Valiquette | Barclays |
A.J. Rice | Credit Suisse |
Lisa Gill | JP Morgan |
Lance Wilkes | Bernstein |
George Hill | Deutsche Bank AG |
Whit Mayo | SVB Leerink |
Gary Taylor | Coban |
Good day and thank you for standing by. Welcome to the Humana Incorporated Quarterly Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session. [Operator Instructions] I would now like to hand the conference over to your speaker today, Ms.