Operator: Good afternoon. Thank you for attending today s EverQuote Fourth Quarter and Full Year 2022 Earnings Call. My name is Megan, and I will be your moderator for today s call.
Operator: Good afternoon, and welcome to the Lyft Fourth Quarter 2022 Earnings Call. At this time, all participants are in listen-only mode to prevent any background noise.
Operator: Good afternoon, and welcome to Ladder Capital Corp. s Earnings Call for the Fourth Quarter of 2022. As a reminder, today s call is being recorded.