Yael Wissner-Levy | Vice President Communications |
Daniel Schreiber | Chief Executive Officer and Co-Founder |
Shai Wininger | Chief Operating Officer and Co-Founder |
Tim Bixby | Chief Financial Officer |
Mike Phillips | Morgan Stanley |
Jason Helfstein | Oppenheimer & Company |
Ron Josey | JMP Securities |
Ross Sandler | Barclays |
Matt Carletti | JMP |
Heath Terry | Goldman Sachs |
Mike Zaremski | Credit Suisse |
Arvind Ramnani | Piper Sandler |
Good day, and welcome to the Lemonade, Inc. Q3 2020 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note, today's event is being recorded.