Scott Leffler: Yes, so, earlier this year when we made updates to our guidance, we got similar questions around what was implied about the second half of the year. And the way we’ve been answering all year is that we continue to model our guidance with what we think is appropriate conservatism in the remaining part of the year. Q4 in particular is due to seasonality risk. Often Q4 is the one where you see an elevated utilization level historically due to flu season or more recently, of course, due to the risk of COVID – any kind of increased COVID-related utilization. And so the conservatism in that number is really driven by that exposure, but there’s nothing specific that we’re pointing towards.
John Pinney: Okay, great. And then one follow-up. I guess we’re pretty early in the annual enrollment period, but is there any commentary you can give on how that’s proceeding or perhaps like what retention is looking like or any color you can give would be great there. Thanks.
Andrew Toy: Yes, this is Andrew. So we’re not giving any guidance right now on the AEP. What we’ll do is we’ll obviously discuss it in a more fulsome way at the next earnings. But what I will do is reiterate that just like this year, we are looking to maintain growth in our insurance revenues. So we are very focused on growing that insurance revenue in that single-digit to low-double-digit range, as well as maintaining highly profitable growth, and that’s where our attention is focused.
Operator: [Operator Instructions] Our next question comes from Jason Cassorla, Citi.
Jason Cassorla: Great. Thanks for letting me back in the queue. I just wanted to go, Andrew, back to your commentary around reducing exposure in the non-insurance business. Maybe can you just give us more color on the decision to reduce for the second time in two years. I think last year, you shifted towards working with higher performing physicians to help offset on the profitability front. But, you know, it sounds like even in that context, you’re still looking to get smaller. I guess just any more color around that decision. And then can you remind us, that business has a relatively small SG&A load, correct, as you think about reducing membership there?
Andrew Toy: Yes, so a couple of different points there. Thanks, Jason. Number one, I would just make sure that we’re clear in our remarks. The non-insurance segment, which is where we do not play a role as an insurer, remains interesting. In the healthcare area, we continue to reduce our exposure over there and to look to it that we right-size that business, while we are very excited about the possibility and our capability of increasing our exposure on the Medicare Advantage side, but also within the non-insurance segment, right? So that means we’re not an insurer, but we are helping providers manage Medicare Advantage risk. I just want to make sure that I clarify that particular point. Your last question, yes, we said before that it’s a relatively smaller part of our SG&A load, which makes sense because of the nature of that particular program.
And the last thing that I’ll say there is that I think that what we’re looking for in terms of partnerships and in terms of applying Clover Assistant is places where we can help providers move their entire book of Medicare risk – Medicare book towards risk, including MA. And that’s part of our right-sizing of this program is introducing that MA side of the program versus looking at just Original Medicare. So as we look at the future of the non-insurance segment, that’s where you should expect us to go.
Jason Cassorla: Okay. Got it. Thanks. Very, very helpful. Maybe just one last follow-up here. Just on MA side, in terms of offering the non-insurance for the MA side of the fence. Can you remind us, do you have any lives there now? Would that be kind of a new jump in at this point? I’m just trying to get a sense of where you’re at there now. I would – I thought that generally most of your membership in the noninsurance business is almost entirely ACO Reach, but just any color or clarity on where you’re at there now. Thanks.
