Bob Schottenstein | Chairman, President and CEO |
Phil Creek | EVP and CFO |
Derek Klutch | President, Mortgage Company |
Jesse Lederman | Zelman & Associates |
Jay McCanless | Wedbush |
Good afternoon, ladies and gentlemen. Thank you for joining today's M/I Homes' Fourth Quarter and Year Ending Earnings Conference Call. My name is Tia, and I will be your moderator for today's call. All lines will be muted during the presentation portion of the call with an opportunity for questions and answers at the end. [Operator Instructions].