Dean Evans | Vice President of Investor Relations |
Sean Downes | Chairman and Chief Executive Officer |
Jon Springer | President and Chief Risk Officer |
Frank Wilcox | Chief Financial Officer |
Arash Soleimani | KBW |
Ron Bobman | Capital Returns |
Good day, ladies and gentlemen and welcome to Universal Insurance Holdings Inc. Fourth Quarter 2017 Earnings Conference Call. At this time, all participants are in a listen-only-mode. Later, we will conduct a question-and-answer session and instruction will be given at that time. [Operator Instructions] As a reminder, this conference is being recorded.