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For them to look at provider directories, the coverage that was talked about and tax season coming up one of the things that will be coming into effect is the shared responsibility fee. Thank you again. Okay, thanks very much, meena. Well turn to dan durham from ahip. Well, good afternoon, thank you, ed and sara. I look forward to talking about where we are in terms of results and expectations and hope to have a lot of good questions and discussion among the Panel Members today. I will focus on health plans top priority, delivering value to consumers. American families want value for the money that they spend on their premium dollars. They want affordable quality coverage and they want choice. The bronze, the pratt numb, tailored networks to prodder provider networks. Health plans are delivering what Consumers Want in a very competitive market. Theyre delivering affordability, value, and choices that meet consumers needs. Health plans are delivering value by negotiating the best price

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