“And then lastly, in Commercial, we've maintained pricing discipline. And as a result, I think you can expect performance in '26 will remain strong.”

In context

“hink, a strong first year of our journey to the target margins. You'll recall AOI improved by about $2.6 billion. We expect another year, George, of strong progress in '26. We continue to make progress towards achieving the target margins in each of the businesses. And we've been clear that trends are still very elevated, but we're not expecting that to change in '26. So as you think about the expectations embedded in the guide for each of the businesses, in Medicare, we expect another year of margin improvement driven by a rational disciplined approach to pricing in our individual and PDP products and repricing in our group MA business. On the Medicaid side, I'd expect to maintain our cautious outlook on performance in light of the broader pressures across the industry that we're seeing. And then lastly, in Commercial, we've maintained pricing discipline. And as a result, I think you can expect performance in '26 will remain strong. So I just emphasize tremendous earning power at Aetna. We have built a strong foundation in '25, and then we have confidence as we will go down the right path in '26. So Steve, do you want to provide some more color? Steven Nelson: Sure. Thanks, Brian. Yes, look, we're really pleased with the performance of the business overall -- the each business has made meaningful progress in 2025 -- build on the momentum. So I think it's important to understand some of the drivers that you asked about [indiscernible] discipline around exiting [indiscernible]. So we're always going to be focused on returning the business to target margins. I'm switching microphones here. So you can -- I guess there's audio problems. I'm not sure. But -- so I'll just keep going here. But look, we have an opportunity to”