Justin Moisio | SVP, IR |
George Mangiaracina | Chairman & CEO |
Paul Licon | SVP, Controller |
Rian Furey | COO |
Trevor Cranston | JMP Securities |
Good morning, ladies and gentlemen, and welcome to the Q4 2018 Impac Mortgage Holdings Incorporated Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions] As a reminder, this call is being recorded. I would now like to turn the call over to your host, Mr.