Operator Ladies and gentlemen, thank you for standing by and welcome to the Old Republic International Fourth Quarter 2020 Earnings Conference Call. [Operator Instructions] I would now like to hand the conference over to your speaker today, Joe Calabrese with MWWPR. Thank you. Please go ahead. Joe Calabrese -- Investor Relations, MWWPR Thank you. Good afternoon everyone and thank you for joining us for the Old Republic conference call to discuss fourth quarter 2020 results. This morning, we distributed a copy of the press release and posted a separate statistical supplement, which we assume you have seen and/or otherwise have access to during the call. Both of the documents are available at Old Republic's website which is www.oldrepublic.com.