Joe Calabrese | IR |
Craig Smiddy | President and CEO |
Frank Sodaro | CFO |
Carolyn Monroe | President, Title Insurance |
Greg Peters | Raymond James |
Matt Carletti | JMP Securities |
Paul Newsome | Piper Sandler |
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 Fourth Quarter 2022 Earnings Conference Call [Operator Instructions]. Joe Calabrese with the Financial Relations Board, you may begin.
Thank you, Chris.