Heritage Insurance (NYSE:HRTG) Conference December 11, 2025 03:15 PM ET Company ParticipantsErnie Garateix - CEOKirk Lusk - CFOConference Call ParticipantsBrendan McCarthy - Equity AnalystBrendan McCarthyHeritage Insurance. The ticker is HRTG. Joining us from the company are CEO Ernie Garateix, as well as CFO Kirk Lusk. And before I pass it over, a quick reminder: the Q&A tab is located at the bottom of the screen. Feel free to type in any questions, and we can save time for a Q&A at the end. But with that ...