Laura Bainbridge | Head of Corporate Communications |
Darryl Rawlings | CEO |
Tricia Plouf | Co-President and CFO |
Margi Tooth | Co-President |
John Godin | Lake Street Capital Markets |
Maria Ripps | Canaccord Genuity |
David Westenberg | Guggenheim Securities |
Jonathan Block | Stifel Financial Corp |
Andrew Cooper | Raymond James & Associates |
Gregory Gibas | Northland Capital Markets |
Greetings, and welcome to Trupanion Fourth Quarter 2020 Results Call. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions] Please note, this conference is being recorded. I would now like to turn the conference over to your host, Laura Bainbridge, Vice President of Corporate Communications.