Nat Otis | SVP, Finance and IR |
Fred Eppinger | CEO |
David Hisey | CFO |
Bose George | KBW |
Mackenzie Aron | Zelman & Associates |
Geoffrey Dunn | Dowling & Partners |
Carter Trent | Stephens |
DeForest Hinman | Walthausen & Co. |
Good day. And welcome to the Stewart Information Services Fourth Quarter and Fiscal Year 2019 Earnings Conference Call and Webcast. Today’s call is being recorded. At this time, all participants have been placed in a listen-only mode. And the floor will be opened for your questions following the presentation.