Joe Calabrese | Financial Relations Board |
Craig Smiddy | President and Chief Executive Officer |
Frank Sodaro | Chief Financial Officer |
Carolyn Monroe | President, Title Insurance Group |
Matt Carletti | JMP Securities |
Alex Bolton | Raymond James & Associates |
Boris Kuzmin | Crawford Investments |
Good afternoon. My name is Emma, and I will be your conference operator today. At this time, I would like to welcome everyone to the Old Republic International Third Quarter Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ presentation, there will be a question-and-answer session.