Cliff Gallant | VP-IR |
Assaf Wand | CEO |
Stewart Ellis | CFO |
Rick McCathron | President |
Michael Phillips | Morgan Stanley |
Yaron Kinar | Jefferies |
Matt Carletti | JMP |
Alex Scott | Goldman Sachs |
Good afternoon. Thank you for attending today's Hippo Fourth Quarter 2021 Earnings Call. My name is Heena and I will be your moderator for today's call. [Operator Instructions] I would now like to pass the conference over to our host [technical difficulty]. Please go ahead.