approve the reserve surplus as of december 31, 202 2, this is an action item and will be presented by mike clark with anne. >> good afternoon, michael and welcome. >> thank you, mike hart from anne, here to present on 2022 claiming aoutization experience for the blue shield flex funded plans and ask for your approval for use of one-third of the stabilization reserve for 2024 rating. so the agenda, you'll see what we'll cover. i know that chief financial officer hussein has talked during today's finance update as well as prior board meetings. i'll go into more detail as to what is happening in the blue shield h m.o. experience for 2022 quaoe cost utilization. and at the end of my presentation is what i'll ask is your approval of use of one should ieder of what is now a deficit in the stablation --stabilization. of the calculated stabilization deficit balance of 10,077, 000. as the epo plans for 2024 which would leave 6,718,000 remaining for 2025. so first, for my high level just talking through the experience on plan, just reminder there are two plans in place, and please keep in mind that the uh