Powell Brown | President and Chief Executive Officer |
Andy Watts | Chief Financial Officer |
Greg Peters | Raymond James |
Mike Zaremski | Wolfe Research |
Elyse Greenspan | Wells Fargo |
Mark Hughes | Truist |
Meyer Shields | KBW |
Mike Phillips | Morgan Stanley |
Yaron Kinar | Jefferies |
Good morning, and welcome to the Brown & Brown Fourth Quarter Earnings Call. Today's call is being recorded. Please note that certain information discussed during this call, including information contained in the slide presentation posted in connection with this call and including answers given in response to your questions, may relate to future results and events or otherwise be forward-looking in nature. Such statements reflect our current views with respect to future events, including those relating to the company's anticipated financial results for the fourth quarter and are intended to fall within the safe harbor provisions of the securities laws. Actual results or events in the future are subject to a number of risks and uncertainties and may differ materially from those currently anticipated or desired or referenced in any forward-looking statements made as a result of a number of factors, such factors, including the company's determination as it finalizes its financial results for the fourth quarter that its financial results differ from the current preliminary unaudited numbers set forth in the press release issued yesterday.