Operator: Ladies and gentlemen, thank you for standing by for Cigna's Fourth Quarter 2012 Results Review. At this time, all callers are in a listen-only mode. We will conduct a question-and-answer session later during the conference and review procedures on how to enter the queue to ask questions at that time. As a reminder, ladies and gentlemen, this conference, including the question-and-answer session, is being recorded.
We'll begin by turning the conference over to Mr. Ted Detrick. Please go ahead, Mr. Detrick.
Edwin Detrick - VP, IR: Good morning, everyone, and thank you for joining today's call. I'm Ted Detrick, Vice President of Investor Relations and with me this morning are David Cordani, our President and Chief Executive Officer; and Ralph Nicoletti, Cigna's Chief Financial Officer.
In our remarks today, David will begin by commenting on Cigna's full year 2012 results, and how our clear strategic direction positions us well for continued success in 2013 and beyond. Next, Ralph will review the financial results for 2012 and provide our current perspective on Cigna's financial outlook for 2013. We will then open the lines for your questions. Following our question-and-answer session, David will provide some brief closing remarks before we end the call.
Now as noted in our earnings release, Cigna uses certain financial measures which are not determined in accordance with Generally Accepted Accounting Principles, or GAAP, when describing its financial results. Specifically, we use the term labeled adjusted income from operations and earnings per share on the same basis as the principal measures of performance for Cigna and our operating segments. And a reconciliation of these measures to the most directly comparable GAAP measure is contained in today's earnings release, which is posted in the Investor Relations section of cigna.com.
Now in our remarks today we will be making some forward-looking comments. We would remind you that there are risk factors that could cause actual results to differ materially from our current expectations. Those risk factors are discussed in today's earnings release.
Now before I turn the call over to David, I will cover a few items pertaining to our results and disclosures. First, I remind you that we recently announced the change in our segment reporting, which became effective with the reporting of our 2012 financial results this morning. This change in segment reporting was driven by Cigna's recent realignment of our businesses in order to more effectively execute on a global strategy and better position us to drive sustained business growth by delivering on our mission to the people we serve around the world.
In connection with this realignment, our results will now be aggregated based on the nature of our products and services rather than the geographies in which we operate. We will continue to report our results through three ongoing business segments, but under a different configuration. The major changes in our segment reporting are to report our global health benefits or expatriate business as part of our global healthcare segment, and we now report our international health, life and accident business as the newly formed global supplemental benefits segment. Our third business segment continues to be our group disability and life business, and the remaining reporting segments remain unchanged.