Craig Smiddy | executive |
Francis Sodaro | executive |
Carolyn Monroe | executive |
Charles Peters | analyst |
Karol Chmiel | analyst |
Good afternoon. My name is Audra, and I will be your conference operator today. I'd like to welcome, everyone to the Old Republic International Third Quarter 2024 Earnings Conference Call. Today's conference is being recorded. [Operator Instructions] At this time, I would like to turn the conference over to Joe Calabrese with FRB.