Rob Luther | VP, Corporate Strategy & IR |
Sean Downes | Chairman and CEO |
Jon Springer | President and CRO |
Frank Wilcox | CFO |
Christopher Campbell | KBW |
Samir Khare | Capital Returns |
Good day, ladies and gentlemen, and thank you for standing by. Welcome to UVE First Quarter 2019 Earnings Conference Call. At this time, all participants are in a listen-only-mode. Later we will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions] As a reminder, this conference call is being recorded.