Whit Mayo

Maybe just an update on where you think you are around commercial margins now in light of all the commentary

are you seeing any different trends with care activity or utilization patterns versus individual MA, not versus your expectations per se, but just anything different about group MA

I just wanted to get a quick update on the performance of your Puerto Rico MA business. How did that perform last year versus your targets

You guys have been working on some digital efforts with payers recently. I think at least some of the large national ones around data and disputes. Can you maybe talk about that

I was wondering how you guys are thinking about capital deployment for next year. Obviously, you have the capacity to increase buybacks or the dividend

Just wondering if there are any changes that you guys are seeing in MA behavior or denials, anything to call out that's maybe changed versus last year?

Just was wondering if you guys have detected any changes with MA plan behavior or denials, any dispute resolution changes, and any changes on length of stay

I just wanted to hear maybe some of the internal initiatives that may be moving to the forefront this year. I feel like you guys have been talking a lot about throughput, ER optimization

any meeting changes to your provider contracting strategy year?

I was just wondering if you guys had any views on the changes to the reward factor to EHO for all

any updated thoughts on RADV, whether you have to make assumptions and bids around prospective CMS clawbacks

just wanted to get an update on expectations for Part D seasonality this year given all the changes this year and the higher deductibles