Citizens (NYSE:CIA) Conference December 10, 2025 02:30 PM ET Company ParticipantsJon Stenberg - CEOBrendan Coughlin - PresidentJeff Conklin - CFOBrendan CoughlinJoining us from the firm will be CEO Jon Stenberg, as well as CFO Jeff Conklin. And before I hand it over, a quick reminder: the Q&A tab is located at the bottom of your screen. Feel free to type in any questions throughout the presentation, and we can save time for Q&A at the end. But with that said, I'll pass it over to Jon.Jon StenbergGreat. Than ...