Harold Schwartz | SVP of General Counsel and Secretary |
Craig Knutson | CEO and President |
Stephen Yarad | CFO |
Bryan Wulfsohn | Co-CIO |
Gudmundur Kristjansson | Co-CIO |
Eric Hagen | BTIG |
Steve Delaney | JMP Securities |
Ladies and gentlemen, thank you for standing by, and welcome to the MFA Financial Inc. Fourth Quarter Earnings Conference Call. [Operator Instructions] As a reminder, today's call is being recorded. I'll turn the call now over to Mr. Hal Schwartz.