3•Creating a unique user experience. We may not be able to compete effectively against these organizations. The payment rates calculated under PAMA went into effect starting January 1, 2018. These codes may apply to one or more of our tests if we apply for PLA coding. The FDA can always review these letters to file in an inspection. If it is not, the agency will refuse to file the PMA. The CCPA does not apply to personal information that is PHI under HIPAA. Katherine A. Stueland has served as our Chief Commercial Officer since October 2016. Prior to that, Mr. Werner served as our Corporate Controller from September 2017. We have limited experience commercializing IVD products. This is particularly true with respect to service defects and errors. Our failure to develop tests to keep pace with these changes could make us obsolete. We have CAP accreditations for our laboratories. 10,590,482, and U.S. Patent No. 10,538,814, 10,557,172, 10,590,482, and 10,597,708, the "Natera Asserted Patents.") Developments in patent law could have a negative impact on our business. It may also be more expensive for us to obtain director and officer liability insurance.