The Vertical Integration of United and Optum - What's the Difference?

United runs off of two major networks today that are going to facilitate an open loop transaction. We have a closed loop network or proprietary network that allows us to do that SKU level of adjudication at approximately 55,000 retail locations in the US. And so going forward, we think about these different networks that have just described both open and closed loop. On what is the experience that we need to curate for the end consumer, employee, what have you.