Joseph Peiso | Director, IR |
Bruce Lucas | Chairman & CEO |
Kirk Lusk | CFO |
John Barnidge | Sandler O'Neill |
Mark Hughes | SunTrust |
Matt Carletti | JMP |
Arash Soleimani | KBW |
Good morning, and welcome to Heritage Insurance Holdings' Second Quarter 2018 Financial Results Conference Call. My name is Nicole and I will be the Operator today. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Joe Peiso. Please go ahead.