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Operator: Good day and thank you for standing by. Welcome to the Doma Fourth Quarter and Full Year 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode.

United statesMike smithMatt carlettiMatt thunanderMax simkoffDoma holdings incHousing finance agencyDoma holdingsCall transcript februaryDoma fourth quarterFull yearInvestor relationsChief executive officerChief financial officerAnnual reportDoma intelligence