As the New Year unfolds, I wish all our employees, partners, members , and their families a happy, prosperous and healthy 2013. Again, this is the time for us to look back and at the same time, look ahead. We need to reflect on the previous 12 months to determine what we have accomplished. Did we exceed our expectations, meet, or fail? Whatever the result is, consider it as a learning opportunity so that we can look forward with renewed enthusiasm and greater commitments for higher accomplishments. During the recent Strategic Planning Session that was participated both by the Operations and the Management Committee members, we have laid down the measurements, standards and means towards evaluating and assessing efforts and accomplishments. The thrust for continual improvement is forever the common and constant commitment by each one in ValuCare, thus, we have greatly emphasized the importance that we know how to determine where we have been, where we are now and where we are going.