Beatriz Bartolome | Head of Investor Relations |
Max Simkoff | Founder & Chief Executive Officer |
Noaman Ahmad | Chief Financial Officer |
Matt Carletti | JMP |
Tom White | D.A. Davidson |
Jason Helfstein | Oppenheimer |
Ryan Gilbert | BTIG |
Good day. Thank you for standing by and welcome to Doma's Fourth Quarter and Full Year Conference Call. At this time, all participants are in listen-only mode. After the speaker's presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded.