Vivek Garipalli | CEO |
Derrick Nueman | Vice President of Investor Relations |
Andrew Toy | President and CTO |
Mark Herbers | CFO |
Kevin Fischbeck | Bank of America |
Ralph Giacobbe | Citi |
Jonathan Yong | Credit Suisse |
Calvin Sternick | JPMorgan |
Gary Taylor | Cowen |
Good day, and thank you for standing by. Welcome to the Clover Health's Third Quarter 2021 earnings conference call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions].