Operator: Good day everyone and welcome to the Verisk Analytics Fourth Quarter 2012 Earnings Conference Call. This call is being recorded. At this time, for opening remarks and introductions, I would like to turn the call over to Verisk's Senior Vice President, Treasurer, Corporate Finance, and Head of Investor Relations, Ms. Eva Huston. Ms. Huston, please go ahead.
Eva F. Huston - SVP and Treasurer, Corporate Finance and IR: Thank you, Steve, and good morning to everyone. We appreciate you joining us today for the discussion of our fourth quarter 2012 financial results. With me on the call this morning are Frank Coyne, Chairman and Chief Executive Officer; Scott Stephenson, President and Chief Operating Officer; and Mark Anquillare, Chief Financial Officer. Following comments by Frank, Scott and Mark highlighting some key points about our strategic priorities and financial performance, we will open the call up for your questions.
The earnings release referenced on this call as well as the 10-K can be found in the Investors section of our website, verisk.com. The earnings release has also been attached to an 8-K that we have furnished to the SEC. A replay of this call will be available for 30 days until March 28, 2013 on our website and by dial-in.
Finally, as set forth in more detail in today's earnings release, I will remind everyone that today's call may include forward-looking statements about Verisk's future performance. Actual performance could differ materially from what is suggested by our comments today. Information about the factors that could affect the future performance is summarized at the end of our press release as well as contained in our recent SEC filings.
And now I will turn the call over to Frank Coyne.
Frank J. Coyne - Chairman and CEO: Thank you, Eva, and good morning. In fourth quarter 2012 we delivered strong overall performance of over 18% total revenue growth and 26% diluted adjusted EPS growth. For the full-year total revenue growth was 15% and diluted adjusted EPS growth was 20%. Our consolidated organic revenue growth in the fourth quarter was 6.7%, reflecting strong growth in healthcare and good growth in insurance solutions, offset by weakness in mortgage. Excluding our historical mortgage business, organic revenue growth was 9.4% in both the quarter and for the year.
Profitability was strong within the EBITDA margin of over 45% in the quarter and for the year. Free cash flow is also strong increasing over 25% in 2012 even after our pension funding in the earlier part of the year.
In the fourth quarter our Risk Assessment revenue grew 5% after adjusting for the impact of the transfer of some revenue Decision Analytics in 2012 and also grew 5% for the year, reflecting the value to our long standing insurance company customers of our industry-standard insurance programs and property specific data.
In Decision Analytics for the quarter our revenue grew almost 30% and our insurance solutions grew about 10% even as transactional claims activity related to Sandy and other storms was captured under existing contracted customer minimum. Our healthcare solutions continue their excellent organic growth growing revenue about 28% organically in the quarter. Total healthcare revenue growth was almost 90% including the contributions MediConnect continues to make. In the quarter we generated over $70 million in revenue from our healthcare business.