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thank you for being here. it is always good to have you on a slow news day. before i take questions, i wanted to note that this week represents an important step in our efforts to start delivering on the promise of expanding access to quality, affordable health coverage for millions of americans. we re launching the new and improved healthcare.gov which will be the marketplace s online home starting in october. for spanish-speaking customers, the website has been updated in preparation for the marketplace. the screen behind me gives you a sense of the new website. we re opening a consumer call center that will be open 24 hours a day, seven days a week. this toll-free service will help answer questions. starting in october, it will provide personalized assistance for callers filling out the application or selecting a plan. beginning october 1, a new health insurance marketplace will open in every state giving americans a new way to shop for health insurance. for the next ....