Turning to our summary financials. Ryan will provide more detail, but the key takeaways here are: One, that our core senior life and auto and home divisions performed ahead of plan and with improving economics and cash flow; two, our healthcare services segment which at this time is predominantly SelectRx, continues to grow rapidly, which again is outstanding. As promised, we've added disclosure for our healthcare services segment this quarter as the business scales and becomes a bigger to this EBITDA relative to revenue for healthcare services later in the presentation.