Welcome. And thank you for coming to a session that allows us to look at a deeper level at what is happening inside the Health Insurance Marketplace. And Iâ€™m not talking about whatâ€™s in the headlines, but below the surfaceâ€“ whatâ€™s happening with millions of Americans as they get coverageâ€“ many for the first timeâ€“ and also how the system is adapting. At the same time, the consumer is beginning through the Marketplace to shape many of the changes in health care as they make decisions about the coverage and care they want. My focus today isnâ€™t really just on the success stories, of which I see many, but on the lessons we have learned and are still learning from whatâ€™s going on inside and across the Marketplace.