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The slide deck was furnished with an 8-K this morning and is also available at the company's website at www. Before looking at this quarter's results, we'd like to take a few moments to cover forward-looking statements. During the course of the call, the company may make certain forward-looking statements. Because these statements deal with future events, they are subject to various risks and uncertainties and actual results could differ materially from the company's current expectations.

Because of this, the company strongly advises all current shareholders as well as interested parties to carefully read and understand the company's disclosures on risks and uncertainties found in our Form K, Form Q, press releases and other reports filed from time to time with the Securities and Exchange Commission. I'm going to pass it over to Tom to begin. Thomas Smegal Thank you, Dave, and welcome, everyone, to our third quarter earnings call. I'm going to be going through -- in fact, all of our presenters today will be going through the slide deck with reference to page numbers, so you can follow along, and I believe on the webcast slides will track with us.

So I'm going to start on Page 5 of the slide deck for a quick summary of the financial results for the third quarter. Similarly, on Slide 6, our year-to-date financial results. Turning to Slide 7 for a little bit of the color on the quarter. So we've been talking all year about our unbilled revenue and about the changes in valuation of our nonqualified plan assets.

And in this quarter, we actually saw an increase in our unbilled revenue accrual. That is largely because the accrual was so low in the last quarter, and we talked about that in the last quarter. So we saw unbilled revenue go up this quarter. The operating expenses went up, as I mentioned earlier, due to inflationary factors for the most part. We saw wage increases, increases in the cost of goods and services. We saw 2 items that are probably pretty bouncy. And we did see them in the quarter.

Our uninsured loss expense was up in the quarter, that is when someone is injured or makes a claim against the company, that's somewhat volatile. And then we did increase the reserve for bad debt and we'll talk about that a little bit later in the call, but that is an increase as compared to the Q3 of For the year-to-date, really, the bulk of the description year-to-date and the change in earnings has to do again with the unbilled revenue and with the change in the valuation of our nonqualified plan assets.

So we'll continue to evaluate that as we go forward. And I did want to highlight actually for the year-to-date that our financing program has been going very well. We issued , shares during Q3, and we issued 2. I won't dwell on the bridges, those say essentially the same thing that I was just saying in visual form. And then on our call this morning, we're going to talk quite a bit about our regulatory affairs, particularly in California.

On Slide 11, I'm going to start by giving you an update on the California cost of capital case. So there was no update during the quarter from the administrative law judge. As those who were on our call last quarter, will know the case was submitted in June.

All the parties completed their testimony and their -- the briefs and the reply briefs, those were all completed in the summer. And so we're all just waiting on the administrative law judge to issue a proposed decision and then the commission to issue a decision in the case.

The calendar is getting a little tight here. There is still a potential that the CPUC could issue a final decision this year. But in order to do so, we would have to see a proposed decision from the judge really within the next 2.

We would expect that if we got a proposed decision after November 15, and we would not get a final decision in And so it's looking increasingly likely that a decision in cost of capital will come later than the end of the year. Because of the delay in issuing a decision, I know that many of the analysts have been focused on, obviously, interest rates going up in the economy since the time that we submitted, we can't determine how the commission is going to evaluate those changes.

We know that the testimony that was made in June did include some evidence of the inflation and the interest rate changes that had happened up to that point, but we're not certain how that might impact. And we're not certain about the impact of potentially the water cost of capital adjustment mechanism.

And that -- whether that would trigger or not depending upon the final outcome of the case. And just a reminder, as we've been saying that given our financing program, the proposed cost of debt in our application was quite a bit lower than the last adopted cost of debt. We don't yet know what the timing is on the effective date of a decision. And so the company has not reserved for that amount or any other amounts associated with potential outcomes of the cost of capital case.

Next, I'm going to turn it over to Greg Milleman, for Slide 12 to give an update of our general rate case. Greg Milleman Thank you, Tom. As you can see a lot on the slide already, we did reach a settlement with the public advocates office primarily on non-revenue items that was filed with the commission.

The case is now in the hands of the ALJ to write the decision, but it's unlikely we will get that decision before the end of this year. Because of that, we plan to file for interim rates in the fourth quarter to be effective January Those rates are subject to refund and will be trued up based on the final outcome in the decision. Moving to Slide 13 with a focus on decoupling. In the -- a significant change for Cal Water starting in is the loss of the mechanism to decouple sales from revenue known as the RAM.

The bad end, the settlement with public advocates reduces our revenue volatility and has realistic water production costs. Further, in the event that the drought persists, the commission has the mechanism that allows water companies without [indiscernible] to track lost revenues and lost revenues due to the drought and a memorandum account for potential future recovery.

So we'll be filing to open that as well before the end of the year. And then with that, I'll turn it over to you, Marty. Martin Kropelnicki Great. Thanks, Greg, and I'm on the bottom of Page 13 for everyone that's following along. Some of the big news for us that came out on the last day of the quarter, September 30, was Governor Newsom signed the law for the State of California Senate Bill Senate Bill ran largely unopposed as the bill we've worked on the last couple of years, which is a big win for our water industry within the state of California.

The bill does not mandate decoupling, but the bill clearly says it's the intent of the legislature to ensure that Class A water corporations are authorized to establish revenue adjustment mechanisms that provide for full decoupling of sales and revenue in order to incentivize conservation. So we spent the last two years working on this bill with the other water companies, [indiscernible] water companies in the State of California.

It was nice to see the governor signing the law and put on the books. Now shortly thereafter, in fact, last week, on the 21st, the CPUC filed a motion with the California Supreme Court to dismiss the court case that we filed that's centered around decoupling. And there's a very finite detail here. The court case that was filed with the State Supreme Court wasn't necessarily about the final decision to eliminate the pilot program of decoupling. It was really about the lack of due process that the commission didn't follow their own process to make that determination.

And then, of course, cost us or we didn't have the opportunity to get adequate information on the record for the commission to make an adequate on decoupling. So there's a finite detail there. At this point, I still believe the State Supreme Court case will move ahead since the court did accept the basis of our argument, which is lack of due process, although the CPUC did file a motion to dismiss.

So we are responding to that. But based on where we are right now, I believe the court case will continue to move forward on the basis of the original filing, which is lack of due process. So big win in the state legislature with Senate Bill We're continuing with the court case in the State Supreme Court about lack of due process. Moving on to the next page, Page 14 to talk about the drought. Let's start off talking on the left-hand side of the slide, where we are with our memo account.

If you remember, in , the Governor declared a drought emergency. That allowed us to establish a memo account to track incremental costs associated with our drought response. So things that we're doing above and beyond what's in our current rate case to respond to the drought. So they're expensed in the period. They go to the memo account.

Moving on to the right-hand side of the slide. Conservation is working, and this is why we think decoupling is really, really important. Earlier this week, we filed our numbers with the State of California, which we're required to file every month. That's the average number. I want to give you a sense of the variance, though with some of the districts that had large savings. Westlake in Southern California, their consumption was down Palos Verdes, which is South of Westlake on the L.

So again, this is why we believe decoupling is really important. So we'll be found to recover that at a later date. Looking at the NOA forecast for the fall and for the winter now that we're officially in fall. They're forecasting [indiscernible] conditions, which tends to be warmer weather for us, which means less snowfall and potentially less rain. Obviously, we'll have a good look at winter between now and when we announced earnings at the end of February. While we're hopeful that we have a wet winter, [indiscernible] the nature showing something to the contrary, again, that's why the decoupling mechanisms are so important because it allows us to aggressively pursue conservation for our customers and helps ensure resiliency of our water supply.

So the continued drought conditions going into '23, we expect them to continue. And again, in the face of climate change, decoupling is really important. Water resiliency is really important. So if you read our ESG reports, we're going to continue on the path we're on to promote conservation and make sure we have a resilient supply going into the future years. Going on to the next slide, Slide 15, to talk about the capital program. Despite a lot of headwinds, a lot of economic headwinds, our capital program, remains mainly on track.

We also call it our infrastructure improvement program. And we've got a 6. So happy with how that's going. But certainly, as we deal with supply chain headwinds like all of us are dealing with right now, the longer those headwinds continue, the more likely will, at some point, they will start affecting us. We continue to monitor the supply chains and the procurement team here at Cal Water and the engineering team has done an outstanding job, doing a lot of pivoting and bending and turning and thinking about new ways to stay ahead of the supply chain issues.

In particular, ductile iron pipe, it's now a month lead time to get ductile iron pipe. And when you have a large main replacement program that starts to pose some challenges. So we continue to look for areas that we can reduce risk in our supply chain, including the potential for stockpiling raw materials used in our capital production process and stockpile those for future days and future weeks and future projects ahead.

As we move into the fourth quarter, just to remind everyone, construction activity can be adversely affected by weather, but based on the in conditions. I think we're going to have a fairly decent fourth quarter when it comes to capital investment.

Thomas Smegal Thank you, Marty. Department of Health and Human Services announced that a total of 24 states, including six with Republican governors, plus the District of Columbia, are on track to run their own marketplaces, known as healthcare exchanges, or to do so in partnership with the federal government. The new tally, which follows a February 15 deadline for states to request a federal partnership exchange, underscores the logistical challenge facing the administration as it moves to set up federal marketplaces less than eight months before the October 1 opening of plan enrollment.

She also emphasized that states which have not opted for a state-run or federal partnership exchange will still be able to apply to run their own in future years. An estimated 26 million people, many of them now uninsured, are expected to obtain coverage through a healthcare exchange over the next 10 years. But the exchange plan, like other provisions of the Patient Protection and Affordable Care Act, has met with resistance from states, mainly those with Republican leadership.

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It recently received planning approval for Greenfield developments in Belrose NSW and Lysterield, Vic which will add another places to its portfolio once completed. Shareholders who purchase company shares can rest assured of superior value. The company forms part of the ASX Total revenue is US Dollar Total dividends of 6. Before buying any stock or share one has to consider a few factors. An investor needs to familiarise himself with the basics and history of the company, as well as its leadership and performance in the market.

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Call TTY: to book an appointment. The driver must fill out the Driver Registration form before the trip. The member must be enrolled with Louisiana Healthcare Connections on the date of the trip. Only one fee per trip will be paid, regardless of the number of members transported. If a member gets a prescription from the health care provider, they should stop and pick it up on the way home from their appointment.

This will be counted as one trip. A medical provider must verify that the member attended the scheduled appointment. The Gas Reimbursement Form must be fully completed, and all parking and toll receipts attached. The reimbursement form can be found here on the Print Forms page. Forms that are missing information will be denied. How do I sign up as a driver? No, the driver does not need to own the vehicle.

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Get Covered America buttons are seen during a training session in Chicago, Illinois September 7, before volunteers canvas a Chicago neighborhood to talk with residents about the Affordable Care Act - also known as Obamacare.

Seahawks betting trends	Greg Milleman Absolutely. And just a reminder, as we've been saying that given our financing program, the proposed cost of debt in our application was quite a bit lower than the last adopted cost of debt. More Details. And then with that, I'll turn it over to you, Marty. Picture taken September 7, As you can see, we're growing in each of the states that we have utilities and that our recent entry into the state of Texas already looks quite promising in terms of growth.
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Chelsea vs manchester city betting tips	Fever without localizing findings is, however, a common presentation of urinary infection in patients with chronic indwelling catheters. What are the best states in the US to retire? Patients with spinal cord injuries may present with symptoms such as increased bladder and leg spasms 8 or autonomic dysreflexia 25and patients with multiple sclerosis may experience increased fatigue and deterioration in neurological function This index considers a broader range of consumer expenditures than CPI, like healthcare spending. In addition to those 5, we also have 3 other deals that have been approved by the respective state public utility commissions and we're going through the final closing process. Before looking at this quarter's results, we'd like to take a few moments to cover forward-looking statements. We have been able to continue our growth in our capital program as well as our business development pipeline.
Biblical investing	Moving on to the next page, Page 14 to talk about the drought. In closing, Q3 was about in line with what our expectations were within the company. Even a moderate rate of inflation means that money held as cash or in low-APY bank accounts will lose purchasing power over time. TIPS pay interest over the five-,or year life of the bond. This index considers a broader range of consumer expenditures than CPI, like healthcare spending. Now shortly thereafter, in fact, last week, on the 21st, the CPUC filed a motion with the California Supreme Court to dismiss the court case that we filed that's centered around decoupling.
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La healthcare connections cent account forex	I think we're going to have a fairly decent fourth quarter when it comes to capital investment. My name is Regina, and I will be your conference operator today. Many investors consider gold as the ultimate inflation hedgealthough the debate over this proposition is far from settled. We continue to monitor the supply chains and the procurement team here at Cal Water and the engineering team has la healthcare connections cent account forex an outstanding job, doing a lot of pivoting and bending and turning and thinking about new ways to stay ahead of the supply chain issues. As you can see a lot on the slide already, we did reach a settlement with the public advocates office primarily on non-revenue items that was filed with the commission. So there's a finite detail there. I'm going to be going through -- in fact, all of our presenters today will be going through the slide deck with reference to page numbers, so you can follow along, and I believe on the webcast slides will track with us.

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Andrew Sudholz, founder and CEO of Japara, faced the problem of his mother being diagnosed with dementia and not being able to live independently anymore. In his determination to raise the standard of aged care, he developed the blueprint for a higher quality, more individualized and integrated approach.

Today, Japara Healthcare Ltd. In , it bought the Riviera Health residential aged care portfolio, which included four aged care facilities at Brighton-Le-Sands, New South Wales, Chatswood, Doonside and Wyong and a closed aged care facility in Toukley. The company operates in Australia with over 47 resident places and approvals for places nationally across about 40 facilities located in Victoria, Queensland, New South Wales, South Australia and Tasmania. It also operates approximately 80 Independent Living Units over five retirement villages, located adjacent to its aged care facilities.

The company cares for over 4 residents, offering a range of living arrangements, amenities, services, meal plans, social activities and care options. Japara offers independent living, low and high care, dementia and Alzheimer care, respite and extra services care. Its vision is to enrich every life it touches. The company has made excellent progress with its Greenfield and brownfield developments and refurbishing programs. It recently received planning approval for Greenfield developments in Belrose NSW and Lysterield, Vic which will add another places to its portfolio once completed.

Shareholders who purchase company shares can rest assured of superior value. The company forms part of the ASX This will help ensure the driver is eligible. Call TTY: to book an appointment. The driver must fill out the Driver Registration form before the trip. The member must be enrolled with Louisiana Healthcare Connections on the date of the trip. Only one fee per trip will be paid, regardless of the number of members transported.

If a member gets a prescription from the health care provider, they should stop and pick it up on the way home from their appointment. This will be counted as one trip. A medical provider must verify that the member attended the scheduled appointment. The Gas Reimbursement Form must be fully completed, and all parking and toll receipts attached. The reimbursement form can be found here on the Print Forms page.

Forms that are missing information will be denied. How do I sign up as a driver?

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