Jay Staley - Director of Investor Relations and Corporate Development George Gleason - Chairman and Chief Executive Officer Brannon Hamblen - President Tim Hicks - Chief Financial Officer Cindy Wolfe - Chief Operating Officer Conference Call Participants Stephen Scouten - Piper Sandler Companies Manan Gosalia - Morgan Stanley Timur Braziler - Wells Fargo Securities Catherine Mealor - KBW Matt Olney - Stephens Brian Martin - Janney Montgomery Scott LLC Brody Preston - UBS Operator Good day, and thank you for ...