“Specifically, I expect us to close more than half of the gap between our 2025 margin performance and our historical margin range. Which we expect to achieve in 2027.”

In context

“ge business, Over the course of the decade plus in which we have operated, in that market. It has never been a significant contributor of earnings for us. Our pricing posture for 2026 coming out of 2025 is going to return that market to a positive margin business for us. However, I would expect those margins in the exchange business for 2026. To be in about the 1% range. Plus or minus 1% for that business. Related to margin for the group business, in 2026. I'm encouraged by our January performance and how that has set us up for our full year plan. Specifically, for January, we found the market to be firm and competitive. And that supported us yielding the required renewal rates and membership persistency to deliver on the 2026 margin improvement that Tim alluded to in his opening remarks. Specifically, I expect us to close more than half of the gap between our 2025 margin performance and our historical margin range. Which we expect to achieve in 2027. Thanks for the question, Scott. Thanks, Dan. Next question, please. Operator: We'll go next to AJ Rice with UBS. AJ Rice: Hi, everybody. Thanks for the question. I think as as you guys came back on board and got your arms around the business. You talked about, modest growth in '26. Getting back to low double digit earnings growth. In '27, and then something more like what we're used to seeing from United in '28. You're talking about the rate notice impacting benefit design and being felt by seniors. And I think your underlying assumption is generally in Medicare, and with OptumHealth had been for gradual margin improvement, not dramatic margin improvement over the years. You've got now a view on all the other business lines Do you still think you can get, to low double digit growth in '27”