When it comes to healthcare benefit costs, if you want different results, you must change your approach. The supply chain around delivering healthcare and insurance is wrought with opaque pricing and hidden revenue streams. The status quo path we're on is a path that will eventually bankrupt employers unless there is a divergence. Working with the right team is the first step. We are a team specially equipped to transform healthcare costs through transparency. Our benefit consulting has been nationally recognized, our underwriting and claims auditing is second-to-none, our risk management has driven stability and profitability in the insurance supply chain and our passion for transformation is unquestionable. When it comes to healthcare costs, diverging from the status quo in new ways is the only hope for sustainability. That's what it means to be Avergent.