Alicia Charity | Senior Vice President-Investor Relations |
Jim Cracchiolo | Chairman and Chief Executive Officer |
Walter Berman | Chief Financial Officer |
Suneet Kamath | Jefferies |
Brian Bailey | Goldman Sachs |
Ryan Krueger | KBW |
Erik Bass | Autonomous Research |
Brennan Hawken | UBS |
John Barnidge | Piper Sandler |
Steven Chubak | Wolfe Research |
Tom Gallagher | Evercore |
Andrew Kligerman | Credit Suisse |
Welcome to the Fourth Quarter 2021 Earnings Conference Call. My name is Sylvia, and I'll be your operator for today's call. [Operator Instructions] Please note that this conference is being recorded. I will now turn the call over to Alicia Charity. Alicia, you may begin.