Operator: Good morning. My name is Dave, and I will be your conference facilitator today. At this time, I would like to welcome everyone to the Aetna Third Quarter 2011 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer period. As a reminder, this conference is being recorded.
I would now like to turn the conference over to Mr. Tom Cowhey, Vice President of Investor Relations. Mr. Cowhey, please go ahead.
Thomas F. Cowhey - VP, IR: Good morning, and thank you for joining Aetna's third quarter 2011 earnings call and webcast. This is Tom Cowhey, Vice President of Investor Relations for Aetna, and with me this morning are Aetna's Chairman, Chief Executive Officer and President, Mark Bertolini; and Senior Executive Vice President and Chief Financial Officer, Joe Zubretsky. Following their prepared remarks, we will respond to your questions.
During this call, we will make forward-looking statements. Risk factors that may impact those statements and could cause actual future results to differ materially from currently projected results, are described in this morning's press release and the reports we file with the SEC, including our 2010 Form 10-K and 2011 Form 10-Q's.
We have provided reconciliations of metrics related to the Company's performance that are non-GAAP measures in our Third Quarter 2011 Financial Supplement and our 2011 guidance summary. These reconciliations are available on the Investor Information section of aetna.com.
Also, as you know, our ability to respond to certain inquiries from investors and analysts in non-public forums is limited, so we invite you to ask all questions of a material nature on this call.
With that, I will turn the call over to Mark Bertolini. Mark?
Mark T. Bertolini - Chairman, CEO and President: Good morning. Thank you, Tom and thank you all for joining us today. This morning, we reported third quarter operating earnings per share of $1.40, a 40% increase over 2010. These results are a continuation of our strong operating performance in the first and second quarters, bringing our year-to-date operating earnings per share to $4.19.
Underlying these results, commercial underwriting performance continued to benefit from lower than projected utilization, our pricing discipline and our medical cost management strategies. These drivers resulted in a third quarter 2011 commercial medical benefit ratio of 77.8% and year-to-date ratio of 77.5%.
Further, our Medicare business posted another strong quarter with a third quarter 2011 Medicare medical benefit ratio of 81.4%. Based on these results and our outlook for the balance of the year, we have adjusted our 2011 guidance. Our full year 2011 operating earnings projection has increased to $5 per share. Projected net dividends from subsidiaries for 2011 have increased to approximately $2.9 billion, up from our previous projection of $2.6 billion, and we project yearend medical membership of 18.35 million, which includes the acquisition of the Genworth Medicare Supplement members.