|Daniel Kohl||Vice President of Investor Relations|
|Rohit Gupta||President and Chief Executive Officer|
|Dean Mitchell||Chief Financial Officer and Treasurer|
|Doug Harter||Credit Suisse|
|Geoffrey Dunn||Dowling & Partners|
|Mihir Bhatia||Bank of America|
|Rick Shane||JP Morgan|
00:03 Hello, and welcome to Enact's Fourth Quarter Earnings Call. Please be advised that today conference call is being recorded. 00:11 I would now like to turn the conference over to your first speaker today, Daniel Kohl, Vice President of Investor Relations.
You may begin.
00:31 Thank you, and good morning, everyone.