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Operator: Good afternoon, ladies and gentlemen. Thank you for joining today s M/I Homes Fourth Quarter and Year Ending Earnings Conference Call.

United statesNorth carolinaNorthern regionDerek klutchMyers naplesJesse ledermanSusan krohneBob schottensteinMark kirkendallZelman associatesMi homes incMortgage companyCall transcript februaryHome fourth quarterYear ending earnings conferencePhil creek