If I could get your attention, I'd like to welcome everyone. I mixed civil with you Nicole midlands and on behalf of unico midlands and our host today, Blue Cross Blue Shield of Nebraska, we'd like to welcome you in person to the seminar. And just so you're aware of it, we're also broadcasting this via a webinar to some of our clients and associates who could not be here today. So if you and the audience have a question, the mics will pick up what you're asking the speakers, but we'd ask you to speak up just a bit if you tend to be on the shy side, so that they can pick that up. And the speakers will try to repeat the question for our webinar. Yes, we also are recording it so there will be available for playback if you happen to have an associate or someone in your office that would like to hear it later. We'll give you a connection for a playback. So what we're going to do today is talk a little bit about you, Nicole midlands, start with introductions, and then we're going to turn it over to the experts from Blue Cross Blue Shield to talk about the reporting requirements, which we realize is the main reason you're here. But just in terms of the commercial part, first, on behalf of the unico midlands team, I'd like to ask the producers and the employee benefits team from unico midlands to please stand up and recognize you as a group. So as you can see, we've got quite a group of people here. And for those of you that maybe didn't get the news or aren't up to speed on the news, uniqlo and midlands had a merger last fall. We officially...
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