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Operator Good day, and welcome to TrueCar s fourth-quarter 2020 financial results conference call.[Operator Instructions]. I would now like to turn the conference over to Danny Vivier. Please, go ahead. Danny Vivier Vice President, Investor Relations Thank you, operator. Hello and welcome to TrueCar s fourth-quarter 2020 earnings conference call. Joining me today are Mike Darrow, our president and chief executive officer; and Jantoon Reigersman, our chief financial officer. As a reminder, we will be making forward-looking statements on this call. These forward-looking statements can be identified by the use of words such as belief, expect, plan, anticipate, becoming, toward, will, intend, confident, and similar expressions and are not and should not be relied upon as a guarantee of future performance or results. Actual results could differ materially from those contemplated by our forward-looking statements. We caution you to review the risk factors section of our annual repo

United statesNick jones citiAndrew booneJantoon reigersmanDanny vivierSteve dyerMike darrowNick jonesExchange commissionNavy federal credit unionDepartment of defenseSteve dyer craig hallum capital group analystInvestor relationsChief executiveNavy federal creditPenny perfect