Craig Smiddy | executive |
Francis Sodaro | executive |
Carolyn Monroe | executive |
Charles Peters | analyst |
Ladies and gentlemen, thank you for standing by. Welcome to Old Republic International's Fourth Quarter 2023 Earnings Conference Call. [Operator Instructions] As a reminder, this conference is being recorded, Thursday, January 25, 2024. I would now like to turn the conference over to Joe Calabrese with the Financial Relations Board.
Thank you. Good afternoon, everyone.