...Operator Good morning, and welcome to Conifer Holdings' Third Quarter 2022 Investor Call. [Operator Instructions) Please note, this event is being recorded. I would now like to turn the conference over to Brian Roney. Please go ahead. >>Brian Roney - President Thank you, and good morning, everyone. Conifer issued its 2022, third quarter financial results after the close of market yesterday. You can find copies of the earnings release on the company's website ir.cnfrh.com. The slide presentation accompanying management's discussion this morning is available to view or download via webcast or from the Investor Relations portion of Conifer's website. Before we get started, please note that except with regard to historical information, statements made in this conference call may constitute forward-looking statements within the meaning of the federal securities laws, including statements relating to trends, the company's operations and financial and the business and the products of the company...