“As we look further ahead we see our earnings growth outlook strengthening quickly in 2027 and pacing steadily upward over the succeeding years.”

In context

“e challenging environment in the year ahead. As I mentioned at our shareholder meeting in June, we're rebuilding the trust to both change and through increased transparency. That includes work to ensure a wide range of stakeholders have confidence in the integrity of our company and our business practices. This work is moving forward in our assessment of key policies, practices and associated processes by the end of the third quarter and our first performance measures report in the fourth quarter. We have retained independent experts to oversee an assist in these reviews, including the analysis group, and FTI Consulting. We will use this to continually strengthen advance our strong compliance environment. Looking to 2026 at this distance, I would expect solid but moderate earnings growth. As we look further ahead we see our earnings growth outlook strengthening quickly in 2027 and pacing steadily upward over the succeeding years. Now let's open it up for questions. Operator, please. Operator: The floor is now open for questions. At this time, if you have a question or comment, please press star one on your touch tone phone. You may remove yourself from the queue by pressing star two on your touch tone phone. We ask you to limit yourself to one question. If you ask multiple questions, we will only be answering the first question that we can respond to everyone in the queue this morning. Our first question comes from AJ Rice with UBS. AJ Rice: Hi, everybody. Maybe just to drill down a little bit on Optum Health, if I could. You're talking about some rate increases or how you're pricing for a much higher trend in MA on the insurance side. I would assume that has some trickle-down benefit to Optum Health or when you'r”