Texas Health Market Review 2020, our 16th report analyzing this dynamic market is now available. It contains 65 pages of data tables, trend graphics and narrative about the health insurers and hospital systems in the state. It describes the strategies that competing health insurers and hospital systems are pursuing, including mergers and acquisitions and strategic partnerships. The new report also includes an expanded analysis of how key elements of the Affordable Care Act are being implemented in Texas, included expansion of individual coverage, Medicaid, and Medicare Accountable Care Organizations. And it describes early measures of the impact of the COVID-19 pandemic on health plans and hospital systems. For example, Texas HMOs saw their profits surge in the first nine months of 2020 compared to the previous year, as lower claims for non-emergent surgeries that were suspended more than offset extra expenses for COVID-19 patients.