Q: How do you intend to improve profitability?

A: There are some counties in California that are very expensive to do business in. We can’t get better arrangements with providers, and it may not make sense for us to sell business there. We have recently exited Monterey County because we could not drive a cost-effective delivery model for our customers. Los Angeles is another story. It is a wonderful place and we are deeply committed to this market and we want to continue to grow here. We want to grow in membership and work on products that appeal to our customer base.