We acknoledge that these impacted accounts exceeded the allowable window for processing and in some cases resulting in penalties and accounts becoming uninsured. In the fourth quarter of 2022, we indentified an issue with the timing of claim processing. This issue impacted numerous claims. To address the issue, we replaced the previous claims structure, reassigning claims processing to the Operations Department in approximately March 2023. Updated procedures have been created and additional staff has been training to support the process. The movement of claims processing to the operations department revmoves the single point of failure condition that led to this breakdown. The new team has been diligently working through the impacted accounts and has remedied most of the late filings. Currently, new claism are being processed within the required timelines. There are still some remaining accounts that are in the correction process, but every impacted account has been identified.