Good morning. My name is Katie, and I will be your conference operator today. At this time, I would like to welcome everyone to Sallie Mae's Third Quarter 2012 Earnings Conference Call. All lines have been placed on mute to prevent any background noise.
With double-digit increases looming for most Part D premiums, Morningstar columnist Mark Miller urges seniors to examine their options to ensure they are in the optimal drug plan for 2013.