Craig Barberio | VP, IR |
Dennis Gilmore | CEO |
Mark Seaton | EVP and CFO |
Mackenzie Aron | Zelman & Associates |
John Campbell | Stephens Inc. |
Thomas Mcjoynt-Griffith | KBW |
Jason Deleeuw | Piper Jaffray |
Geoffrey Dunn | Dowling & Partners Securities |
Greetings and welcome to First American Financial Corporation Fourth Quarter Earnings Conference Call. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions] A copy of today's press release is available on First American's website at www.firstam.com/investor. Please note the call is being recorded and will be available for replay from the company's investor website and for a short time by dialing 877-660-6853 or 201-612-7415 and enter the conference ID number 13675613.