Sarah M. London: Thanks, Jen, and thanks, everyone, for joining us. We have a lot to cover this morning, so let me start by outlining a few key elements in my prepared remarks. First, I'll provide more detail on the Marketplace risk adjustment challenge we previewed earlier this month, including what happened and what actions we're taking to mitigate the financial impact with an eye to restoring the book to profitability in 2026. Second, I will address the elevated medical cost trend that drove our higher Q ...