ubs 2007 global healthcare services conference steve nelson president health net of the northeast inc february 12 2 cautionary statement this presentation contains forward looking statements within meaning section 21e securities exchange act 1934 as amended and 27a 1933 that involve a number risks uncertainties all other than historical information may be deemed to these are based on management s analysis judgment belief expectation only date subject uncertainty changes in circumstances without limiting foregoing words believes anticipates plans expects should could estimate intend similar expressions intended identify actual results differ materially due among things rising care costs negative prior period claims reserve developments trends medical ratios issues relating provider contracts litigation operational reform general business conditions additional factors cause from those reflected include but not limited discussed