Good morning and thank you for coming. Welcome to this session which is a joint session of the Brookings Institution and the Rockefeller Institute of government. Were going to talk about the results of a fivestate study on how competition is working in the Affordable Care act marketplaces and what we might learn from this study and how we think about competition in the marketplaces Going Forward. And to officially open us up, i welcome my colleague, richard nathan, from the Rockefeller Institute, to the platform. Thank you, alice. I dont work at brookings so maybe i shouldnt welcome people, but i worked here 11 years. It is a while ago. And this is one of my Favorite Places to it be able to work with colleagues. It is a pleasure today to welcome you to this conference, as alice said. The brookings and rock fefeller Institute Field Network Study of the competitive she mentioned this competitiveness of marketplaces in Health Insurance, individual, Nongroup Health Insurance marketplaces i