Operator Good afternoon and welcome to Arthur J Gallagher & Co.'s Fourth Quarter 2020 Earnings Conference Call. Participants have been placed on a listen-only mode. Your lines will be open for questions following the presentation. Today's call is being recorded, if you have any objection, you may disconnect at this time. Some of the comments made during this conference call, including answers given in your response to questions may constitute forward-looking statements within the meaning of the security laws. These forward-looking statements are subject to risks and uncertainties, that could cause actual results to differ materially. Please refer to the cautionary statements and risk factors contained in the company's 10-K, 10-Q and 8-K filings for more details on its forward-looking statements. In addition, for reconciliations of the non-GAAP measures discussed on this call, as well as other information regarding these measures, please refer to the earnings release and other materials and the Investor Relations section of the company's website.