Operator: Good morning. I will be your conference operator today. Welcome to the UnitedHealth Group Second Quarter 2013 Earnings Conference Call. A question-and-answer session will follow UnitedHealth Group's prepared remarks. As a reminder, this call is being recorded.
Here is some important introductory information. This call contains forward-looking statements under U.S. federal securities laws. These statements are subject to risks and uncertainties that could cause actual results to differ materially from historical experience or present expectations. A description of some of the risks and uncertainties can be found in the reports that we file with the Securities and Exchange Commission, including the cautionary statements included in our current and periodic filings.
This call will also reference non-GAAP amounts. A reconciliation of non-GAAP to GAAP amounts is available on the Financial Reports & SEC Filings section of the Company's Investors page at www.unitedhealthgroup.com.
Information presented on this call is contained in the earnings release we issued this morning and in our Form 8-K, dated July 18, 2013, which may be accessed from the Investors page of the Company's website.
At this time, all participants have been placed in a listen-only mode and the floor will be open for your questions following the presentation.
I would now like to turn the conference over to the President and Chief Executive Officer of UnitedHealth Group, Stephen Hemsley.
Stephen J. Hemsley - President and CEO: Good morning, and thank you for joining us this morning to review our first half 2013 and the longer-term future we continue to build at UnitedHealth Group.
The performance of the quarter and the first half of this year reflect many of the themes we are focusing on with intensity across UnitedHealth Group; growing by serving more people with higher and more consistent quality, with compassion and a better, more modern and personal consumer experience; making health care more affordable by enabling the health care consumer, the care provider and the system itself to become a more effective system of health and wellness; advancing the performance and value of this enterprise for shareholders through operating and capital disciplines in both growth and strategic diversification, as well as dividend and share recapture.
We see several of these elements in our first half performance in a number of ways, such as the consistent, broad-based growth across each of our market facing business groups, medical cost trends that have remained in check and will help to keep health benefits affordable, the increasing pace in product innovation and adoption as nearly 6 million consumers now embrace our incentive product designs and our rapidly growing portfolio of consumer tools, the rapid acceleration of deeper and more integrated performance-based payment relationships with care providers that will reach above $25 billion by this year end, and the increase in our dividend to more than $1 billion annually even as we sustain $3 billion in share buy-back.