...Hi, everyone, thank you for joining us for this webcast on non-agency market trends. I'm Lisa Hartman, Head of Investor Relations with Redwood Trust. With me today is Chris Abate, Redwood's Chief Executive Officer; Dash Robinson, Redwood's President; and Brooke Carillo, Redwood's Chief Financial Officer. Moderating today's discussion is Stephen Laws, Director of Equity Research at Raymond James. Before we begin, I want to remind you that certain statements made during this webcast with respect to future financial or business performance, may constitute forward-looking statements. Forward-looking statements are based on current expectations, forecasts and assumptions that involve risks and uncertainties that could cause actual results to differ materially. We encourage you to read the company's annual report on Form 10-K, which provides a description of some of the factors that could have a material impact on the company's performance and could cause actual results to differ from those that...