Josh Raskin: Hi. Thanks. Good afternoon or evening. I guess first just from a strategic standpoint, I didn’t hear about +Oscar this quarter. And so I am curious, have you guys thought about sort of putting +Oscar on hold or even longer and maybe even divesting Medicare Advantage at this point and just really focusing on the individual and family plans and small group. And are there strategic or regulatory reasons that make sense for you to even stay in MA at this point? And then my second question would be €“ and I should preface €“ sorry, with a welcome back, Sid, good to hear your voice. I did notice the interim title. So, maybe you could talk a little bit about the plans for the permanent CFO role. And I would be curious to know who is sort of working on forecasting and financial planning specifically. Thanks.
Mario Schlosser: Yes. Josh, so let me hit the +Oscar question first. So, the biggest thing that we think we can do right now to make +Oscar an attractive product is to just use it in the absolute best personal way for ourselves. And that’s I think what we have been doing this year. I mean if you recall, coming into this year, yes, we were somewhat surprised by the large growth we had and had to do a lot of work to make sure we pick up the phone and we get on time and things like that and have dealt with the consequences of that work really for the past first six months, seven months of the year. And I think have been able to manage that well because as you can see, our metrics are landing, whether you to be landing midpoint of the range for the M&R and for the combined ratio.
So, that to us, is the best marketing argument really for +Oscar. And we think that’s just going to continue the same way in the next year. It’s also how we think about growth, right, more important for us to show that we have that membership and co-manage profitability than really anything else related to that can always go back to growth in the insurance business later on. So, that’s how we think about the priority for +Oscar right now. That still means that the plan is what we have been saying at various conferences, which is focus until 2024 when it comes to bigger +Oscar deals just on really not rolling out any more there. We got to solve the question of, how do we sell +Oscar in a more effective and efficient way. And how do we implement +Oscar in a more effective and efficient way with third-parties.
And both of these questions, in our view, require partnerships and both of these questions are really what Scott is going to be focused on, among other things, in the Chief Transformation Officer role as we talked about. So, that is +Oscar in the sort of like bigger deal space. Now, we are out there, and I didn’t mention this, but thanks for asking. We are out there with campaign builder, that’s our first module. And we talked about in the past the first clients in the pipeline, they are all re-sparing physician groups, and we have been already using that, obviously, for us internally, but also for physician groups already in our network in an upside down the value-based care deals. And so that’s the other one we are in there with and it’s giving us a nice foot in to do where we think into future clients for broader +O deals.
