Dennis McDaniel | VP & IR Officer |
Steven Johnston | Chairman, President & CEO |
Michael Sewell | CFO, Principal Accounting Officer, Executive VP & Treasurer |
Stephen Spray | SVP, Chief Insurance Officer & Director |
Meyer Shields | KBW |
Mark Dwelle | RBC Capital Markets |
John Heagney | Dowling & Partners Securities |
Thank you all for standing by, and welcome to the CIF First Quarter 2022 Earnings Conference Call. [Operator Instructions]. Please also note that today's call is being recorded. I'll now turn the call over to your host, Dennis McDaniel, Investor Relations Officer. Sir, you may now begin.