T. Uchida | executive |
D. Armstrong | executive |
Jon Paul Newsome | analyst |
Mark Hughes | analyst |
Andrew Andersen | analyst |
Meyer Shields | analyst |
Jon Christianson | executive |
Pablo Singzon | analyst |
Good morning, and welcome to Palomar Holdings, Inc. Fourth Quarter and Full Year 2023 Earnings Conference Call. [Operator Instructions] As a reminder, this conference call is being recorded. I would now like to turn the call over to Mr. Chris Uchida, Chief Financial Officer. Please go ahead.