Joe Calabrese | IR, MWWPR |
Craig Smiddy | President and CEO |
Karl Mueller | CFO |
Carolyn Monroe | President Title Insurance Group |
Greg Peters | Raymond James |
Matt Carletti | JMP |
Ryan Winrick | Guggenheim |
Nicholas Karzon | Franklin Templeton |
Ladies and gentlemen, thank you for standing by. And welcome to the Old Republic International Fourth Quarter 2020 Earnings Conference Call [Operator Instructions]. I would now like to hand the conference over to your speaker today, Joe Calabrese with MWWPR. Thank you. Please go ahead.