Arash Solemani | EVP & Director of Investor Relations |
Bruce Lucas | Chairman & CEO |
Kirk Lusk | CFO |
John Barnidge | Sandler O'Neill |
Mark Hughes | SunTrust Robinson Humphrey |
Christopher Campbell | KBW |
James Naklicki | Citigroup |
Bill Broomall | Dowling & Partners Securities |
Matthew Carletti | JMP Securities |
Good morning, and welcome to the Heritage Insurance Holdings Third Quarter 2018 Financial Results Conference Call. My name is Chad, 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 Arash Solemani, Executive Vice President and Director of Investor Relations at Heritage. Please go ahead.