Sandra Bell | Chief Financial Officer |
Michael Barnes | Executive Chairman |
Chris Colvin | Breach Inlet Capital |
Andrew Cowen | Brean |
Greetings. Welcome to the Tiptree Inc.'s Fourth Quarter 2021 Earnings Conference Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] Please note this conference is being recorded.