Yael Wissner-Levy | Head, Content and Communications |
Daniel Schreiber | Co-Founder, Chairman & Co-CEO |
Shai Wininger | Co-Founder, President, Co-CEO, CTO, Secretary, Treasurer & Director |
Timothy Bixby | CFO |
Michael Phillips | Morgan Stanley |
Jason Helfstein | Oppenheimer |
Joshua Shanker | Bank of America Merrill Lynch |
Yaron Kinar | Jefferies |
Andrew Kligerman | Crédit Suisse |
Katie Sakys | Autonomous Research |
Good morning, and welcome to the Lemonade, Inc. Fourth Quarter and Full Year 2021 Earnings Conference Call. [Operator Instructions]. Please note this event is being recorded. I would now like to turn the conference over to Yael Wissner-Levy, Vice President of Communications at Lemonade.