Yael Wissner-Levy | VP, Communications |
Daniel Schreiber | Co-CEO and Co-Founder |
Tim Bixby | CFO |
Shai Wininger | Co-CEO and Co-Founder |
Michael Phillips | Morgan Stanley |
Tracy Benguigui | Barclays |
Tommy McJoynt | KBW |
Andrew Kligerman | Credit Suisse |
Josh Shanker | Bank of America |
Ladies and gentlemen, hello, and welcome to the Lemonade Q3 2022 Earnings Call. My name is Maxine, and I'll be coordinating the call today. [Operator Instructions]. I will now hand you over to Yael Wissner-Levy, VP Communications at Lemonade to begin. Please go ahead when you're ready.