Clifford Gallant | VP, IR |
Stewart Ellis | CFO & Treasurer |
Richard McCathron | President, CEO & Director |
Thomas McJoynt-Griffith | KBW |
Alexander Scott | Goldman Sachs Group |
Matthew Carletti | JMP Securities |
Andrew Andersen | Jefferies |
Pablo Singzon | JPMorgan Chase & Co. |
Hello, everyone, and welcome to the Hippo Q1 2023 Earnings Call. My name is Chach and I'll be the coordinator for this conference. [Operator Instructions]. I would now like to hand over to Cliff Gallant to begin. Please go ahead.