As a result, 2012 was our third consecutive year of strong  growth, and we are pleased with the value we delivered  to our customers, clients and investors. Our consolidated  revenues were $29.1 billion, an increase of 33 percent over  2011. Our adjusted income from operations* was $1.73  billion in 2012, compared to $1.36 billion the previous year. This equates to $5.99 per share in 2012 – which  represents per share growth of 21 percent over 2011. Cigna’s shareholders net income for full-year 2012 was $1.62 billion – a 29 percent increase over full-year 2011.  Global Health Care premiums and fees grew by 45 percent compared to full-year 2011 to $21 billion,  and full-year adjusted income from operations* was  approximately $1.5 billion, representing 34 percent growth.  This growth was prompted by several factors: primarily  by contributions from HealthSpring, as well as strong  organic customer growth in our Commercial business  and the penetration of our specialty products through our Administrative Services Only (ASO) business.  In the three years since implementing our “Go Go Go”  strategy, we’ve delivered compound annual growth of  nearly 17 percent for revenues and nearly 15 percent for  adjusted income from operations* on a per share basis. Further, our capital deployment strategy remains focused  around several core tenets, including supporting our  ongoing businesses with the adequate capital to grow;  pursuing mergers, acquisitions and partnerships to  accelerate our growth and create strategic competitive  differentiation; and returning capital to our shareholders. Cigna’s Global Supplemental Benefits segment – which provides supplemental health, life, and accident  insurance, including Medicare supplemental coverage, in the U.S. and in foreign markets – continues to deliver attractive growth and profitability.  Premiums and fees in this segment grew by 30 percent  in 2012 compared to full-year 2011, driven by strong  customer retention and growth as well as contributions  from our recent acquisitions, including Great American  Supplemental Benefits.  Our full-year adjusted income from operations* in this  segment was $148 million, representing a 48 percent  increase over 2011.  Each of Cigna’s business segments performed well in  2012. Overall, these financial and operating results reflect  strong organic revenue and earnings contributions from each of our ongoing businesses, as evidenced by our  high customer retention rates, continued expansion of  existing customer relationships and success in winning  new relationships, whether they are with individual  customers, employers, or governments.  Our Group Disability and Life segment – which provides  group disability, life, and accident insurance products – delivered solid results, considering the challenging  economic environment. Group premiums and fees  increased by nine percent in 2012 over full-year 2011,  while our full-year adjusted income from operations*  decreased by three percent, to $281 million.  Our Global Health Care segment – which provides  health care, wellness and preventive solutions to  individuals and employers around the world – was the  primary driver of our results, with strong performance in both our Commercial and Seniors businesses. We ended 2012 with approximately 14 million global medical customers, representing growth of 1.4 million  medical customers during the year – of which one  million represented organic growth.  5 2011 2012 $21.9 $29.1 CONSOLIDATED REVENUES in billions Here are our 2012 performance highlights by  business segment:  Global Supplemental Benefits 2012 Business Segment Results Group Disability and Life Global Health Care