PresentationOperator Good afternoon. Welcome to Oxbridge's Third Quarter 2025 Earnings Call. My name is Rochelle, and I will be your conference operator this afternoon. [Operator Instructions] Joining us for today's presentation is Oxbridge's Chairman, President and Chief Executive Officer, Jay Madhu; and Chief Financial Officer and Corporate Secretary, Wrendon Timothy. Following their remarks, we will open up the call for your questions. I would now like to remind everyone that this call will be available ...