Christine Patrick | Vice President of Investor Relations |
Alex Timm | Co-Founder and Chief Executive Officer |
Dan Rosenthal | Chief Operating Officer, Chief Revenue Officer, and Chief Financial Officer |
Frank Palmer | Chief Insurance Officer |
Matt Bonakdarpour | Chief Technology Officer |
Elyse Greenspan | Wells Fargo |
Josh Siegler | Cantor Fitzgerald |
Matt Carletti | JMP |
Mark Hughes | Truist |
David Motemaden | Evercore ISI |
Brian Meredith | UBS |
Tracy Benguigui | Barclays |
Ryan Tunis | Autonomous Research |
00:07 Thank you for standing by and welcome to the Fourth Quarter 2021 Earnings Conference Call. At this time, all participants are in listen-only mode. After the speakers presentation, there will be a question-and-answer session. [Operator Instructions] As a reminder today’s conference call is being recorded. 00:25 I would now like to turn the conference over to your host, Ms.