Company Participants Cory Carpenter - JPMorgan Michael Graham - Canaccord Genuity Tommy McJoynt - KBW Andrew Kligerman - TD Cowen Ben Hendrix - RBC Capital I will now hand the call over to Denise Garcia, Investor Relations. You may begin your conference. Please refer to the company's SEC filings, including its annual report on Form 10-K and its quarterly reports on Form 10-Q, for a fuller explanation of those risks and uncertainties and the limits applicable to forward-looking statements. These forward-look ...