Kevin Copeland | Head, IR |
Frank D'Orazio | CEO |
Sarah Doran | CFO |
Bob Myron | President & COO |
Matt Carletti | JMP |
Mark Hughes | Truist |
Randy Binner | B. Riley |
Meyer Shields | KBW |
Ladies and gentlemen, thank you for standing by, and welcome to the James River Group Fourth Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions]. Please be advised that today's conference is being recorded.