Operator Greetings. Welcome to the Starwood Property Trust's fourth quarter and full-year 2020 earnings call. [Operator instructions] Please note, this conference is being recorded. I will now turn the call over to your host, Zach Tanenbaum, head of investor relations. You may begin. Head of Investor Relations Thank you, operator. Good morning, and welcome to Starwood Property Trust's earnings call. This morning, the company released its financial results for the quarter ended December 31, 2020, filed its Form 10-K with the Securities and Exchange Commission and posted its earnings supplement to its website. These documents are available in the Investor Relations section of the company's website at www.starwoodpropertytrust.com.