Yael Wissner-Levy | VP, Communications |
Daniel Schreiber | CEO and Co-Founder |
Shai Wininger | COO and Co-Founder |
Tim Bixby | CFO |
Mike Zaremski | Credit Suisse |
Mike Phillips | Morgan Stanley |
Matt Carletti | JMP |
Ralph Schackart | William Blair |
Ron Josey | JMP Securities |
Ross Sandler | Barclays |
Arvind Ramnani | Piper Sandler |
Good morning, and welcome to the Lemonade, Inc. Fourth Quarter 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. Please note, this event is being recorded.