Phillip Creek | EVP and CFO |
Bob Schottenstein | CEO & President |
Derek Klutch | President, Mortgage Company |
Kevin Hake | SVP |
Ann Marie Hunker | Corporate Controller |
Thomas Maguire | Zelman Associates |
Alex Barron | Housing Research Center |
Art Winston | Pilot Advisors |
Jay McCandless | Wedbush |
Ladies and gentlemen, thank you for standing by, and welcome to the M/I Homes Fourth Quarter and Year-End Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] Thank you.
Mr.