Craig Barberio | VP, IR |
Dennis Gilmore | Chairman |
Ken DeGiorgio | CEO |
Mark Seaton | EVP & CFO |
Mark DeVries | Barclays |
Andrew Kligerman | Credit Suisse |
Mark Hughes | Truist |
Bose George | KBW |
Geoffrey Dunn | Dowling & Partners |
Ryan Gilbert | BTIG |
John Campbell | Stephens |
Greetings, and welcome to the First American Financial Corporation's Fourth Quarter and Full-Year 2021 Earnings Conference 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]. A copy of today's press release is available on First American's website at www.firstam.com/investor.