...Operator Hello, and welcome to Enact's Fourth Quarter Earnings Call. Please be advised that today's conference call is being recorded. I would now like to hand the conference over to your first speaker today, Daniel Kohl, Vice President of Investor Relations. You may begin. Daniel Kohl;Enact Holdings, Inc.;Vice President of Investor Relations Thank you, and good morning, everyone. Welcome to our fourth quarter earnings call. Joining me today are Rohit Gupta, President and Chief Executive Officer; and Dean Mitchell, Chief Financial Officer and Treasurer. Rohit will provide an overview of our business, our performance and progress against our strategy. Dean will then discuss the details of our fourth quarter results before turning the call back to Rohit for some closing remarks. After prepared remarks, we will take your questions. The press release we issued after market closed yesterday contains Enact's financial results for the fourth quarter of 2021. This release in a comprehensive set...