The men and women of CareFirst are grateful for the opportunity to serve a membership of more than 2.3 million. We are equally grateful for our partners - those providing direct medical services, our business associates, our brokers, our vendors and those who in many and diverse ways support the growth and success of this company. Without you - all of you - the achievements we so proudly record in this annual report would not have been possible. The pace of activity within today's health care industry requires our associates to work as a team and to make the most of their experience and training. It also calls for CareFirst to be financially strong, a company our customers can rely on and trust. Teamwork, experience, strength and trust - these are the same qualities required for success in the sport of rowing which we have used throughout this report to illustrate how CareFirst's associates are pulling together and leading the way toward a healthier future for all our members.