Arash Solemani | EVP |
Bruce Lucas | Chairman and CEO |
Kirk Lusk | CFO |
James Naklicki | Citi |
Bill Broomall | Dowling and Partners |
Good morning, and welcome to the Heritage Insurance Holdings Fourth Quarter 2018 Financial Results Conference Call. My name is Keith, and I will be the operator today. At this time, all participants are in listen-only mode. A brief question-and-answer session will follow the formal presentation. Please note this event is being recorded.