Finally, as many of you know, this will be my last earnings call as CFO of Elevance Health. It has been a pleasure to serve this organization for more than 29 years, including the past seven in my current role. With that, operator, please open the line for questions. Hi everybody. Thanks and John, I wish you the best and the retirement. It's been great working with you, and I really appreciate all the help over the years. I want to maybe just ask on the commercial at margin improvement story and what you've ...