...Good morning, and thank you for joining us for a presentation of Freddie Mac's Fourth Quarter and Full Year 2021 Financial Results. I'm Jeff Markowitz, Deputy CAO and SVP of External Relations and Corporate Communications. We're joined today by our CEO, Michael DeVito, and by our CFO, Chris Lown. Before we begin, we'd like to point out that during the call, Mr. DeVito and Mr. Lown may make forward-looking statements based on assumptions about the company's key business drivers and other factors. Changes in these factors could cause the company's actual results to materially vary from its expectations. A description of those factors can be found in the company's quarterly report on Form 10-K filed today. You will find the 10-K, earnings press release and related materials posted on the Investor Relations section of freddiemac.com. This call is recorded, and a replay will soon be available on freddiemac.com. We ask that the call not be rebroadcast or transcribed. With that, I'll turn the...
