Jeffrey Miller | EVP & CFO |
Kevin Burke | President & CEO |
Christopher Campbell | KBW |
Robert Farnam | Boenning & Scattergood |
Jamie Inglis | Philo Smith |
Good morning. My name is Cheryl, and I will be your conference operator today. At this time, I would like to welcome everyone to the Donegal Group Q4 2018 earnings conference call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session.