holder, who's executive vice president of upmc, university of pittsburgh medical center, and elena pavin who is manager within the value partnerships d. of the blue cross blue shield of michigan, will join us for the q&a. so we're going to go ahead and start with ted. >> good morning and thank you, marilyn, for having me here today. this is really a very important discussion, and it's one that's going to continue for quite some time into the future, but it really is, i really want to focus today on the issue of network adequacy. and i'd like to just start out be i providing -- by providing a little bit of background and an update from a regulator's perspective on network adequacy. and it's, first of all, it's really important to know and to realize and to remember that there are a lot of conflicting issues surrounding network adequacy. for consumers the main issue is whether or not their doctor or their hospital is in their insurance plan and whether or not they can receive the care that they're looking for. and also whether or not they can ultimately be able to afford in particular thei