Ryan Schmidt | executive |
Andrew Toy | executive |
Terrence Ronan | executive |
Jason Cassorla | analyst |
Richard Close | analyst |
Ladies and gentlemen, good afternoon and welcome to the Clover Health Fourth Quarter and Full Year 2023 Earnings Conference Call. [Operator Instructions] As a reminder, today's call is being recorded. I would now like to turn the call over to Ryan Schmidt, Investor Relations for Clover Health. Please go ahead, sir.
Good afternoon, everyone.