Craig Smiddy | President, CEO |
Carolyn Monroe | President, Western Division |
Francis Sodaro | CFO |
Boris Kuzmin | Crawford Investment |
Greg Peters | Raymond James |
Matt Carletti | JMP |
Joe Calabrese | Financial Relations Board |
Good afternoon. My name is Chris, and I'll be your conference operator today. At this time, I'd like to welcome everyone to the Old Republic International First Quarter 2022 Earnings Conference Call. [Operator Instructions]. Thank you.