Operator Hello. My name is Philip, and I'll be your conference operator today. At this time, I would like to welcome everyone to the MediaAlpha Q4 2020 earnings conference call. [Operator instructions] I'd now like to turn the call over to your host, Denise Garcia, with investor relations. Please go ahead. Investor Relations Thank you, Philip. Our discussion today will include forward-looking statements about our outlook for future financial results, including our financial guidance for the first quarter and the full-year 2021, which are based on assumptions, forecasts, expectations and information currently available to management. These forward-looking statements are subject to risks and uncertainties that could cause future results or events to differ materially from today's guidance. Please refer to the earnings release we filed with the SEC on Form 8-K and the shareholder letter we posted to the Investor Relations section of our website today for a fuller explanation of those risks and uncertainties and the limits applicable to forward-looking statements.