We will be making forward-looking statements on this call that include statements regarding future events, beliefs and expectations, including statements relating to our expectations regarding our Medicare business, including Medicare enrollment growth, consumer demand, our competitive advantage, our expectations regarding online enrollments and our retention and recapture rates; our investments in telesales capacity, internal agent count, agent productivity tools and incentives, customer engagement and retention initiatives and enhancements to our technology platform, as well as the expected positive financial and operational impact of our investments; our expectations regarding the Medicare market opportunity, our direct-to-consumer broker channel, our online marketing and strategic partnership channels, the profitability of our business, seasonality, churn, lifetime values, plan persistency, member estimates, total acquisition cost per member and operating expenses; and finally, our outlook for this annual enrollment period and our 2020 financial guidance. So I think you should think about the partner channel in two broad buckets. For next year, we currently maintain a conservative target of getting back to 2019 Medicare Advantage LTV levels. C. ephemeral yet intense. Can you talk about how the newer folks on the platform, how you're expecting them to perform, and then how that gives you a boost into 2021? And that has been a rapidly growing area for us. Our approach to marketing is opportunistic. So if you're kind of back to that number, the enrollment growth in Q4 will be close to 60% year over year for Medicare Advantage. Most of my questions have been answered, but I did want to go back to your assumptions around the growth in the online channel. This also includes planned changes within the same carrier. OK. And then I guess just one on productivity. And at first blush, I think if we look at some of the metrics around your declining estimated customer care and enrollment per approved member, we look at the declines in IFP and we look at the guidance that's effectively flat relative to the second quarter, it might suggest that there's a slowing growth rate of the organization. B. This includes 28% year-over-year growth in approved Medicare Advantage members. And importantly, the enrollments from those channels have a propensity to roll online at a higher rate. The paragraph that begins in line 40 is characterized primarily by. And it's certainly our hope and expectation that they will. I was wondering if you guys can comment on the recent developments in the competitive landscape with Walmart trying to enter the market.