Dennis McDaniel | IRO |
Steve Johnston | Chairman, President & CEO |
Mike Sewell | CFO |
Steve Spray | Chief Insurance Officer |
Paul Newsome | Piper Sandler |
Charlie Lederer | Wolfe Research |
Mark Dwelle | RBC Capital Markets |
James Bach | KBW |
Good day, and thank you for standing by. Welcome to Third Quarter 2021 Earnings Conference Call. [Operator Instructions] I would now like to hand the call over to your speaker today, Mr. Dennis McDaniel, Investor Relations Officer. Sir, you may proceed.