Cliff Gallant | VP, IR |
Richard McCathron | President and CEO |
Stewart Ellis | CFO |
Yaron Kinar | Jefferies |
Michael Phillips | Morgan Stanley |
Alex Scott | Goldman Sachs |
Tommy McJoynt | KBW |
Good evening. Thank you for attending today's Hippo Third Quarter 2022 Earnings Call. My name is Megan and I'll be your moderator for today's call. All lines will be muted during the presentation portion of the call with an opportunity for questions and answers at the end [Operator Instructions]. I would now like to pass the conference over to your host, Cliff Gallant.