Humana

-5.21%

More reviews (2)

Live  

Humana is an American healthcare company based in Louisville, Kentucky. It was founded in 1961 as a nursing home company, but eventually expanded into health insurance. Humana offers a variety of health insurance plans including individual and group plans, Medicare plans, and military healthcare plans. In addition to healthcare, Humana also provides wellness programs and other services to promote overall health and well-being.
Humana has a network of over 50,000 healthcare providers and facilities, including hospitals, clinics, and pharmacies. The company has been consistently ranked as one of the largest health insurance companies in the United States, with over 16 million members.
In addition to its healthcare offerings, Humana is also committed to social responsibility and community outreach. The company has a foundation that focuses on improving health and well-being in communities across the country, and it has also been recognized for its commitment to diversity and inclusion in the workplace.
Today, Humana is a leading healthcare company with a strong presence in the United States, serving millions of members and providing innovative solutions for their healthcare needs.

MS4gRm9jdX Mgb24gSGVh bHRoIGFuZC BXZWxsbmVz czogSHVtYW 5hIGFpbXMg dG8gaGVscC BwZW9wbGUg YWNoaWV2ZS B0aGVpciBi ZXN0IGhlYW x0aCBieSBw cm92aWRpbm cgc2Vydmlj ZXMgYW5kIH Byb2dyYW1z IHRoYXQgcH JvbW90ZSB3 ZWxsbmVzcy BhbmQgcHJl dmVudCBkaX NlYXNlLjxi cj4yLiBEaX ZlcnNlIEhl YWx0aGNhcm UgUHJvZHVj dHMgYW5kIF NlcnZpY2Vz OiBIdW1hbm Egb2ZmZXJz IGEgd2lkZS ByYW5nZSBv ZiBoZWFsdG hjYXJlIHBy b2R1Y3RzIG FuZCBzZXJ2 aWNlcywgaW 5jbHVkaW5n IGhlYWx0aC BpbnN1cmFu Y2UgcGxhbn MsIE1lZGlj YXJlIEFkdm FudGFnZSBw bGFucywgcH Jlc2NyaXB0 aW9uIGRydW cgcGxhbnMs IGFuZCB3ZW xsbmVzcyBw cm9ncmFtcy 48YnI+My4g VGVjaG5vbG 9neS1Ecml2 ZW4gSW5ub3 ZhdGlvbjog VGhlIGNvbX BhbnkgaW52 ZXN0cyBpbi B0ZWNobm9s b2d5IGFuZC BkYXRhIGFu YWx5dGljcy B0byBpbXBy b3ZlIHRoZS BoZWFsdGhj YXJlIGV4cG VyaWVuY2Ug Zm9yIGl0cy BtZW1iZXJz IGFuZCBkcm l2ZSBiZXR0 ZXIgaGVhbH RoIG91dGNv bWVzLjxicj 40LiBFbXBo YXNpcyBvbi BDdXN0b21l ciBFeHBlcm llbmNlOiBI dW1hbmEgaX MgY29tbWl0 dGVkIHRvIH Byb3ZpZGlu ZyBpdHMgY3 VzdG9tZXJz IHdpdGggZX hjZXB0aW9u YWwgc2Vydm ljZSBhbmQg c3RyaXZlcy B0byBjb250 aW51b3VzbH kgaW1wcm92 ZSBpdHMgY3 VzdG9tZXIg ZXhwZXJpZW 5jZSB0aHJv dWdoIHRlY2 hub2xvZ3kg YW5kIGlubm 92YXRpdmUg c29sdXRpb2 5zLjxicj41 LiBDb21tdW 5pdHkgYW5k IFNvY2lhbC BSZXNwb25z aWJpbGl0eT ogSHVtYW5h IHZhbHVlcy BnaXZpbmcg YmFjayB0by Bjb21tdW5p dGllcyBhbm QgcHJvbW90 aW5nIHNvY2 lhbCByZXNw b25zaWJpbG l0eS4gVGhl IGNvbXBhbn kgaGFzIHZh cmlvdXMgaW 5pdGlhdGl2 ZXMgYW5kIH BhcnRuZXJz aGlwcyB0aG F0IHN1cHBv cnQgY2hhcm l0YWJsZSBj YXVzZXMgYW 5kIGNvbW11 bml0eSBwcm 9qZWN0cy48 YnI+Ni4gU3 Ryb25nIEZp bmFuY2lhbC BQZXJmb3Jt YW5jZTogSH VtYW5hJ3Mg c3Ryb25nIG ZpbmFuY2lh bCBwZXJmb3 JtYW5jZSBp cyByZWZsZW N0ZWQgaW4g aXRzIGNvbn Npc3RlbnQg Z3Jvd3RoIG FuZCBzdGFi aWxpdHkgb3 ZlciB0aGUg eWVhcnMuIF RoaXMgcHJv dmlkZXMgbW VtYmVycyBh bmQgaW52ZX N0b3JzIHdp dGggY29uZm lkZW5jZSBp biB0aGUgY2 9tcGFueS48 YnI+Ny4gRW 1wbG95ZWUg RW5nYWdlbW VudDogSHVt YW5hIGlzIG RlZGljYXRl ZCB0byBjcm VhdGluZyBh IHBvc2l0aX ZlIHdvcmsg ZW52aXJvbm 1lbnQgYW5k IHByb21vdG luZyBlbXBs b3llZSBlbm dhZ2VtZW50 LiBUaGlzIG hlbHBzIGF0 dHJhY3QgYW 5kIHJldGFp biB0b3AgdG FsZW50LCBy ZXN1bHRpbm cgaW4gYmV0 dGVyIHNlcn ZpY2UgdG8g Y3VzdG9tZX JzLjxicj44 LiBDb21taX RtZW50IHRv IERpdmVyc2 l0eSBhbmQg SW5jbHVzaW 9uOiBIdW1h bmEgdmFsdW VzIGRpdmVy c2l0eSBhbm QgaW5jbHVz aW9uIGFuZC BoYXMgaW1w bGVtZW50ZW QgdmFyaW91 cyBwcm9ncm FtcyBhbmQg cG9saWNpZX MgdG8gcHJv bW90ZSBhIG RpdmVyc2Ug YW5kIGluY2 x1c2l2ZSB3 b3JrcGxhY2 UgYW5kIHNv Y2lldHkuPG JyPjkuIEVu dmlyb25tZW 50YWwgU3Rl d2FyZHNoaX A6IFRoZSBj b21wYW55IG lzIGNvbW1p dHRlZCB0by ByZWR1Y2lu ZyBpdHMgY2 FyYm9uIGZv b3RwcmludC BhbmQgcHJv bW90aW5nIH N1c3RhaW5h YmxlIHByYW N0aWNlcyBp biBpdHMgb3 BlcmF0aW9u cy4gSHVtYW 5hIGhhcyBz ZXQgdGFyZ2 V0cyBmb3Ig cmVkdWNpbm cgaXRzIGdy ZWVuaG91c2 UgZ2FzIGVt aXNzaW9ucy BhbmQgaW5j cmVhc2luZy B0aGUgdXNl IG9mIHJlbm V3YWJsZSBl bmVyZ3kuPG JyPjEwLiBD b25zdGFudG x5IEV2b2x2 aW5nOiBIdW 1hbmEgY29u dGludW91c2 x5IGFkYXB0 cyBhbmQgZX ZvbHZlcyB0 byBtZWV0IH RoZSBjaGFu Z2luZyBuZW VkcyBvZiBp dHMgY3VzdG 9tZXJzIGFu ZCB0aGUgaG VhbHRoY2Fy ZSBpbmR1c3 RyeSwgc3Rh eWluZyBhaG VhZCBvZiBl bWVyZ2luZy B0cmVuZHMg YW5kIHRlY2 hub2xvZ2ll cy4=

SHVtYW5hIG lzIGEgaGVh bHRoY2FyZS Bjb21wYW55 IHRoYXQgb2 ZmZXJzIGEg dmFyaWV0eS BvZiBpbnN1 cmFuY2UgYW 5kIGhlYWx0 aC1yZWxhdG VkIHNlcnZp Y2VzIHRvIG luZGl2aWR1 YWxzIGFuZC BlbXBsb3ll cnMuIEl0cy BidXNpbmVz cyBtb2RlbC BjYW4gYmUg ZGVzY3JpYm VkIGFzIGEg bWl4IG9mIH ByaXZhdGUg aGVhbHRoIG luc3VyYW5j ZSBhbmQgaG VhbHRoY2Fy ZSBzZXJ2aW Nlcy48YnI+ VGhlIGNvbX BhbnkgcHJv dmlkZXMgaG VhbHRoIGlu c3VyYW5jZS BwbGFucywg aW5jbHVkaW 5nIE1lZGlj YXJlLCBNZW RpY2FpZCwg YW5kIGNvbW 1lcmNpYWwg cGxhbnMsIH RvIGluZGl2 aWR1YWxzIG FuZCBjb21w YW5pZXMuIF RoZXNlIGlu c3VyYW5jZS BwbGFucyBj b3ZlciB0aG UgY29zdCBv ZiBtZWRpY2 FsIHNlcnZp Y2VzLCBzdW NoIGFzIGRv Y3RvciB2aX NpdHMsIGhv c3BpdGFsIH N0YXlzLCBh bmQgcHJlc2 NyaXB0aW9u IGRydWdzLj xicj5JbiBh ZGRpdGlvbi B0byBpbnN1 cmFuY2Ugc2 VydmljZXMs IEh1bWFuYS BhbHNvIG9m ZmVycyB2YX Jpb3VzIGhl YWx0aCBhbm Qgd2VsbG5l c3MgcHJvZ3 JhbXMsIHN1 Y2ggYXMgZG lzZWFzZSBt YW5hZ2VtZW 50LCB3ZWxs bmVzcyBjb2 FjaGluZywg YW5kIHRlbG VoZWFsdGgg Y29uc3VsdG F0aW9ucy4g VGhlc2UgcH JvZ3JhbXMg YWltIHRvIH Byb21vdGUg YW5kIGltcH JvdmUgdGhl IGhlYWx0aC BhbmQgd2Vs bC1iZWluZy BvZiBpdHMg bWVtYmVycy 48YnI+SHVt YW5hIGFsc2 8gaGFzIGEg bmV0d29yay BvZiBoZWFs dGhjYXJlIH Byb3ZpZGVy cywgaW5jbH VkaW5nIGhv c3BpdGFscy wgcGh5c2lj aWFucywgYW 5kIHBoYXJt YWNpZXMsIH dpdGggd2hv bSBpdCBwYX J0bmVycyB0 byBvZmZlci BpdHMgbWVt YmVycyBjb2 1wcmVoZW5z aXZlIGFuZC BhZmZvcmRh YmxlIGhlYW x0aGNhcmUg c2VydmljZX MuPGJyPlRo ZSBjb21wYW 55J3MgYnVz aW5lc3MgbW 9kZWwgcmVs aWVzIGhlYX ZpbHkgb24g dGVjaG5vbG 9neSwgc3Bl Y2lmaWNhbG x5IGRhdGEg YW5hbHl0aW NzLCB0byBp ZGVudGlmeS BhbmQgYWRk cmVzcyBlbW VyZ2luZyBo ZWFsdGhjYX JlIHRyZW5k cyBhbmQgdG 8gcHJvdmlk ZSBwZXJzb2 5hbGl6ZWQg YW5kIGNvc3 QtZWZmZWN0 aXZlIGNhcm UgdG8gaXRz IG1lbWJlcn MuPGJyPkh1 bWFuYSdzIH JldmVudWUg Y29tZXMgZn JvbSBwcmVt aXVtcyBwYW lkIGJ5IHBv bGljeWhvbG RlcnMsIGZl ZXMgZm9yIG l0cyBoZWFs dGggYW5kIH dlbGxuZXNz IHByb2dyYW 1zLCBhbmQg cmVpbWJ1cn NlbWVudHMg ZnJvbSBoZW FsdGhjYXJl IHNlcnZpY2 VzIHByb3Zp ZGVkIGJ5IG l0cyBuZXR3 b3JrIG9mIH Byb3ZpZGVy cy4=

Humana’s earnings, cash flow, and valuation can be quite sensitive to changes in interest rates for several reasons:
1. Earnings Sensitivity: As a healthcare insurance company, Humana generates revenue primarily from premiums. Changes in interest rates can influence the company’s investment income, which forms a part of earnings. Higher interest rates may lead to increased investment income from fixed-income securities, which can positively impact earnings. Conversely, declining interest rates can reduce investment income and put pressure on profitability.
2. Cash Flow Sensitivity: Humana’s cash flows can be affected by interest rate changes, particularly through the cost of borrowing. If interest rates rise, the cost of servicing debt may increase, impacting free cash flow. Additionally, higher rates can lead to increased competition from other investment alternatives, potentially affecting Humana’s ability to attract new capital or maintain existing investments.
3. Valuation Sensitivity: Valuation of Humana, like other companies, is often based on discounted cash flow analysis where future cash flows are discounted back to present value using a discount rate that incorporates interest rates. Higher interest rates typically raise the discount rate, decreasing the present value of future cash flows and thus lowering the company’s valuation. Conversely, lower interest rates generally enhance valuations by lowering the discount rate and increasing present value.
Overall, while Humana’s core business may not be as directly sensitive to interest rates as more leveraged industries, the factors mentioned above indicate that changes in interest rates can still have a noticeable impact on its financial performance and market valuation.

CiAgICAgIC AgICAgIDxk aXYgc3R5bG U9J3dpZHRo OiAxMDAlOy BkaXNwbGF5 OiBmbGV4Oy BqdXN0aWZ5 LWNvbnRlbn Q6IGNlbnRl cjsnPgogIC AgICAgICAg ICAgICAgPG RpdiBzdHls ZT0nCiAgIC AgICAgICAg ICAgICAgIC AgZGlzcGxh eTogZmxleD sKICAgICAg ICAgICAgIC AgICAgICBh bGlnbi1pdG VtczogY2Vu dGVyOwogIC AgICAgICAg ICAgICAgIC AgIGJhY2tn cm91bmQtY2 9sb3I6ICNm MGY0Zjg7Ci AgICAgICAg ICAgICAgIC AgICAgYm9y ZGVyOiAxcH ggc29saWQg I2QxZTNmMD sKICAgICAg ICAgICAgIC AgICAgICBi b3JkZXItcm FkaXVzOiAx MHB4OwogIC AgICAgICAg ICAgICAgIC AgIHBhZGRp bmc6IDEwcH g7CiAgICAg ICAgICAgIC AgICAgICAg bWFyZ2luOi AyMHB4IDA7 CiAgICAgIC AgICAgICAg ICAgICAgZm 9udC1mYW1p bHk6ICJTZW dvZSBVSSIs IFJvYm90by wgc2Fucy1z ZXJpZjsKIC AgICAgICAg ICAgICAgIC AgICBib3gt c2hhZG93Oi AwIDJweCA2 cHggcmdiYS gwLCAwLCAw LCAwLjA1KT sKICAgICAg ICAgICAgIC AgICAgICBt YXgtd2lkdG g6IDkwMHB4 OwogICAgIC AgICAgICAg ICAgICAgIH dpZHRoOiAx MDAlOyc+Cg ogICAgICAg ICAgICAgIC AgICAgIDxp bWcgc3JjPS Jhc3NldHMv bG9nb3MvZX d5a2dqSW5F Mno0TW4zSz R1dzEud2Vi cCIgYWx0PS JIdW1hbmEi IHRpdGxlPS JIdW1hbmEi ICBjbGFzcz 0iaW1nLWZs dWlkIiBoZW lnaHQ9OTAg d2lkdGg9OT AgbG9hZGlu Zz0nbGF6eS cgc3R5bGU9 J2JvcmRlci 1yYWRpdXM6 IDZweDsnPg oKICAgICAg ICAgICAgIC AgICAgICA8 ZGl2IHN0eW xlPSdmbGV4 OiAxOyB0ZX h0LWFsaWdu OiBjZW50ZX I7IG1hcmdp bi1sZWZ0Oi A1cHg7Jz4K ICAgICAgIC AgICAgICAg ICAgICAgIC AgPHAgc3R5 bGU9J2Zvbn Qtc2l6ZTog MjZweDsgY2 9sb3I6ICMz MzM7IG1hcm dpbi1ib3R0 b206IDE1cH g7Jz4KICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIPCfk4gg V2FudCB0by ByZWFkIG1v cmUgYWJvdX QgSHVtYW5h PwogICAgIC AgICAgICAg ICAgICAgIC AgICA8L3A+ CgogICAgIC AgICAgICAg ICAgICAgIC AgICA8YSBo cmVmPSdpbm RleC5waHA/ cGFnZT1zaW dudXAnIHN0 eWxlPScKIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgIGJhY2 tncm91bmQt Y29sb3I6IC MwMDdCRkY7 CiAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICBj b2xvcjogI2 ZmZjsKICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIHBhZGRp bmc6IDEwcH ggMjBweDsK ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgIGJv cmRlci1yYW RpdXM6IDVw eDsKICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg IHRleHQtZG Vjb3JhdGlv bjogbm9uZT sKICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIG ZvbnQtd2Vp Z2h0OiBib2 xkOwogICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgbWFyZ2lu LXJpZ2h0Oi AxMHB4Owog ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgdHJh bnNpdGlvbj ogYmFja2dy b3VuZC1jb2 xvciAwLjNz IGVhc2U7Jw ogICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgb2 5tb3VzZW92 ZXI9J3RoaX Muc3R5bGUu YmFja2dyb3 VuZENvbG9y PSIjMDA1Nm IzIicKICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIG9ubW91 c2VvdXQ9J3 RoaXMuc3R5 bGUuYmFja2 dyb3VuZENv bG9yPSIjMD A3QkZGIic+ CiAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICBT aWduIHVwIG ZvciBmcmVl CiAgICAgIC AgICAgICAg ICAgICAgIC AgIDwvYT4K CiAgICAgIC AgICAgICAg ICAgICAgIC AgIDxzcGFu IHN0eWxlPS dtYXJnaW46 IDAgOHB4Oy Bjb2xvcjog IzU1NTsnPm 9yPC9zcGFu PgoKICAgIC AgICAgICAg ICAgICAgIC AgICAgPGEg aHJlZj0naW 5kZXgucGhw P3BhZ2U9bG 9naW4nIHN0 eWxlPScKIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgIGNvbG 9yOiAjMDA3 QkZGOwogIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgdGV4dC 1kZWNvcmF0 aW9uOiB1bm RlcmxpbmU7 CiAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICBm b250LXdlaW dodDogNTAw Oyc+CiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICBsb2cgaW 4KICAgICAg ICAgICAgIC AgICAgICAg ICAgPC9hPg oKCiAgICAg ICAgICAgIC AgICAgICAg ICAgIDxwIH N0eWxlPSdt YXJnaW4tdG 9wOiAxNXB4 OyBmb250LX NpemU6IDEz cHg7IGZvbn Qtd2VpZ2h0 OiBib2xkOy Bjb2xvcjog I2QzMmYyZj snPgogICAg ICAgICAgIC AgICAgICAg ICAgICAgIC Ag8J+SoSBM ZWFybiBzbW FydGVyIHN0 b2NrIHBpY2 tzIHdpdGgg PGk+IlRoZS BDaGVja2xp c3QgVmFsdW UgSW52ZXN0 b3Ig4oCUIE EgU21hcnRl ciBXYXkgdG 8gUGljayBT dG9ja3MiPC 9pPgogICAg ICAgICAgIC AgICAgICAg ICAgICA8L3 A+CgogICAg ICAgICAgIC AgICAgICAg ICAgICA8IS 0tCiAgICAg ICAgICAgIC AgICAgICAg ICAgIDxkaX Ygc3R5bGU9 J21hcmdpbi 10b3A6IDEy cHg7IGZvbn Qtc2l6ZTog MTNweDsgY2 9sb3I6ICM0 NDQ7Jz4KIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgIFNpZ2 4gdXAgbm93 IGFuZCBnZX Qgb3VyIGZy ZWUgZUJvb2 sgCiAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIC A8Yj5UaGUg Q2hlY2tsaX N0IFZhbHVl IEludmVzdG 9yIOKAlCBB IFNtYXJ0ZX IgV2F5IHRv IFBpY2sgU3 RvY2tzPC9i PgogICAgIC AgICAgICAg ICAgICAgIC AgICA8L2Rp dj4KICAgIC AgICAgICAg ICAgICAgIC AgICAgLS0+ CiAgICAgIC AgICAgICAg ICAgICAgIC AgIDwhLS0K ICAgICAgIC AgICAgICAg ICAgICAgIC AgPGRpdiBz dHlsZT0nbW FyZ2luLXRv cDogMTZweD sgZm9udC1z aXplOiAxNH B4OyBjb2xv cjogIzQ0ND sgZm9udC1m YW1pbHk6IC 1hcHBsZS1z eXN0ZW0sIE JsaW5rTWFj U3lzdGVtRm 9udCwgU2Vn b2UgVUksIF JvYm90bywg SGVsdmV0aW NhIE5ldWUs IHNhbnMtc2 VyaWY7IGxp bmUtaGVpZ2 h0OiAxLjY7 Jz4KICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg IEhhdmUgeW 91IGhlYXJk IGFib3V0IG 91ciBzaG9y dCA8c3Ryb2 5nIHN0eWxl PSdmb250LX dlaWdodDog NjAwOyc+RG FpbHkgVmlk ZW8gTmV3c2 xldHRlcjwv c3Ryb25nPj 8KICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgID xhIGhyZWY9 J2h0dHBzOi 8vd3d3Lmlu c2lnaHRmdW x2YWx1ZS5j b20vbmV3c2 xldHRlci5w aHAnIHRhcm dldD0nX2Js YW5rJyBzdH lsZT0nY29s b3I6ICMwMD dCRkY7IHRl eHQtZGVjb3 JhdGlvbjog bm9uZTsgZm 9udC13ZWln aHQ6IDUwMD sgbWFyZ2lu LWxlZnQ6ID ZweDsnPgog ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg IEZpbmQgb3 V0IG1vcmUK ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgIDwv YT4KICAgIC AgICAgICAg ICAgICAgIC AgICAgPC9k aXY+CiAgIC AgICAgICAg ICAgICAgIC AgICAgIC0t PgogICAgIC AgICAgICAg ICAgICAgID wvZGl2Pgog ICAgICAgIC AgICAgICAg PC9kaXY+Ci AgICAgICAg ICAgIDwvZG l2PgogICAg ICAgICAgIC AKICAgICAg ICAKICAgIC AgICA8c3Bh biBjbGFzcz 0nYmx1cnJl ZC10ZXh0Jz 4KICAgICAg ICAgICAgTV M0Z1NIVnRZ VyA1aElIZG hjeUJtIGIz VnVaR1ZrSU cgbHVJREU1 TmpFZyBZWE 1nWVNCdWRY IEp6YVc1bk lHaHYgYldV Z1kyOXRjRy BGdWVTd2dZ VzVrIElHbD BJSGRoYzIg N2lnSmwwSU hWdSBkR2xz SURFNU56IF FnZEdoaGRD QnAgZENCaV pXZGhiaSBC dlptWmxjbW x1IFp5Qm9a V0ZzZEcgZ2 dhVzV6ZFhK aCBibU5sTG p4aWNqIDR5 TGlCVWFHVW cgWTI5dGNH RnVlZSBLQW 1YTWdibUZ0 IFpTQjNZWE 1nYVcgNXpj R2x5WldRZy BZbmtnZEdo bElFIHhoZE dsdUlIZHYg Y21RZ2FIVn RZVyA1MWN5 d2dkMmhwIF kyZ2diV1Zo Ym4gTWdhSF Z0WVc0ZyBi M0lnYjJZZ2 JXIEZ1TGp4 aWNqNHogTG lCSWRXMWhi bSBFZ2QyRn pJRzl1IFpT QnZaaUIwYU cgVWdabWx5 YzNRZyBhR1 ZoYkhSb0lH IGx1YzNWeV lXNWogWlNC amIyMXdZVy A1cFpYTWdk RzhnIGIyWm 1aWElnYVcg NTBaV2R5WV hSbCBaQ0Jq WVhKbElHIE Z1WkNCamIz WmwgY21Gbl pTQm1iMyBJ Z1ltOTBhQ0 JvIFpXRnNk R2hqWVggSm xJR0Z1WkNC dyBjbVZ6WT NKcGNIIFJw YjI0Z1pISj EgWjNNdVBH SnlQaiBRdU lGUm9aU0Jq IGIyMXdZVz U1NG8gQ1pj eUJvWldGay BjWFZoY25S bGNuIE1nWV hKbElHeHYg WTJGMFpXUW dhVyA0Z1RH OTFhWE4yIG FXeHNaU3dn UzIgVnVkSF ZqYTNrcyBJ R0Z1WkNCcG RDIEJoYkhO dklHaGggY3 lCdlptWnBZ MiBWeklHbH VJSE5sIGRt VnlZV3dnYj MgUm9aWEln YzNSaCBkR1 Z6SUdsdVky IHgxWkdsdV p5QkcgYkc5 eWFXUmhMQy BCVVpYaGhj eXdnIFlXNW tJRU5oYkcg bG1iM0p1YV dFdSBQR0p5 UGpVdUlFIG gxYldGdVlT Qm8gWVhNZ2 JXOXlaUyBC MGFHRnVJRE l3IElHMXBi R3hwYjIgNG diV1Z0WW1W eSBjeUJoYm 1RZ2IyIFpt WlhKeklIQn MgWVc1eklH bHVJRyBGc2 JDQTFNQ0J6 IGRHRjBaWE 1zSUggUm9a U0JFYVhOMC BjbWxqZENC dlppIEJEYj J4MWJXSnAg WVN3Z1lXNW tJRiBCMVpY SjBieUJTIG FXTnZManhp Y2ogNDJMaU JKYmlCaCBa R1JwZEdsdm JpIEIwYnlC b1pXRnMgZE dnZ2FXNXpk WCBKaGJtTm xMQ0JJIGRX MWhibUVnWV cgeHpieUJ2 Wm1abCBjbk 1nWVNCMllY IEpwWlhSNU lHOW0gSUhk bGJHeHVaWC BOeklIQnli MmR5IFlXMX pJR0Z1WkMg QnpaWEoyYV dObCBjeUJ6 ZFdOb0lHIE Z6SUdacGRH NWwgYzNNZ2 RISmhZMiB0 bGNuTXNJR2 hsIFlXeDBh Q0JqYjIgRm phR2x1Wnl3 ZyBZVzVrSU c5dWJHIGx1 WlNCM1pXeH MgYm1WemN5 QnlaWCBOdm RYSmpaWE11 IFBHSnlQam N1SUUgaDFi V0Z1WVNCcC BjeUIwYUdV Z2JHIEZ5Wj JWemRDQk4g WldScFkyRn laUyBCQlpI WmhiblJoIF oyVWdjSEp2 ZG0gbGtaWE lnYVc0ZyBk R2hsSUc1aG RHIGx2Yml3 Z2QybDAgYU NCdmRtVnlJ RCBRZ2JXbH NiR2x2IGJp Qk5aV1JwWT IgRnlaU0JC WkhaaCBibl JoWjJVZ2JX IFZ0WW1WeW N5NDggWW5J K09DNGdWRy BobElHTnZi WEJoIGJua2 dhR0Z6SUcg RWdjM1J5Yj I1biBJR052 YlcxcGRHID FsYm5RZ2RH OGcgYldsc2 FYUmhjbiBr Z2RtVjBaWE poIGJuTWdZ VzVrSUggUm 9aV2x5SUda aCBiV2xzYV dWekxDIEJ2 Wm1abGNtbH UgWnlCaElI WmhjbSBsbG RIa2diMlln IGNtVnpiM1 Z5WTIgVnpJ R0Z1WkNCei BkWEJ3YjNK MElHIFp2Y2 lCMGFHVnAg Y2lCemNHVm phVyBacFl5 Qm9aV0ZzIG RHaGpZWEps SUcgNWxaV1 J6TGp4aSBj ajQ1TGlCSW RXIDFoYm1F Z2FHRnogSU dKbFpXNGdj bSBWamIyZH VhWHBsIFpD QmhjeUJ2Ym 0gVWdiMlln ZEdobCBJRm R2Y214azRv IENaY3lCTm IzTjAgSUVG a2JXbHlaVy BRZ1EyOXRj R0Z1IGFXVn pJR0o1SUUg WnZjblIxYm 1VZyBUV0Zu WVhwcGJtIF VnWVc1a0lH aGggY3lCaG JITnZJRyBK bFpXNGdibU Z0IFpXUWdi MjVsSUcgOW 1JSFJvWlNC QyBaWE4wSU VWdGNHIHh2 ZVdWeWN5Qm 0gYjNJZ1JH bDJaWCBKem FYUjVJR0o1 IElFWnZjbU psY3kgNDhZ bkkrTVRBdS BJRWx1SUhK bFkyIFZ1ZE NCNVpXRnkg Y3l3Z1NIVn RZVyA1aElH aGhjeUJpIF pXVnVJR1p2 WTMgVnphVz VuSUc5dSBJ R1JsZG1Wc2 IzIEJwYm1j Z1lXNWsgSU dsdGNHeGxi VyBWdWRHbH VaeUIyIFlX eDFaUzFpWV ggTmxaQ0Jq WVhKbCBJRz F2WkdWc2N5 IEIwYUdGME lHWnYgWTNW eklHOXVJRy BsdGNISnZk bWx1IFp5Qn dZWFJwWlcg NTBJRzkxZE dOdiBiV1Z6 SUhkb2FXIH hsSUhKbFpI VmogYVc1bk lHTnZjMyBS ekxnPT0KIC AgICAgICA8 L3NwYW4+Ci AgICAgICAg CiAgICAgIC Ag
See Company Q&A