Thank you for that kind introduction. It's a pleasure to be here this evening to address the Commonwealth Club about an issue that profoundly affects all of us. You know, it's not easy being a health plan CEO these days. If you watched many commercials from the recent political campaign, you would think HMO's are responsible for every problem in California except Winona Ryder's shoplifting. Given the way many people feel about HMO's, you might conclude that embracing universal health care is part of a clever public relations campaign to spruce up our image. But Blue Shield of California has...