Kirk Lusk | executive |
Ernesto Garateix | executive |
Jon Paul Newsome | analyst |
Maxwell Fritscher | analyst |
Good morning and welcome to the Heritage Insurance Holdings Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Kirk Lusk, Heritage Chief Financial Officer. Please go ahead.
Good morning, and thank you for joining us today.