Nat Otis | Director, Investor Relations |
Frederick H. Eppinger | CEO |
David Hisey | CFO |
George Bose | Keefe Bruyette & Woods |
John Campbell | Stephens, Inc. |
Geoffrey Dunn | Dowling & Partners |
Mackenzie Aron | Zelman & Associates, LLC |
DeForest Hinman | Walthausen & Company |
Good day, and welcome to the Stewart Information Services' Third Quarter 2019 Earnings Conference Call and Webcast. Today's call is being recorded. At this time, all participants have been placed on listen-only mode and the floor will be open for your questions following the presentation. I would like now to turn the call over to Nat Otis. Please go ahead.