Operator: Good day, and welcome to the W. R. Berkley Corporation s Fourth Quarter and Full Year 2022 Earnings Conference Call. Just a reminder, today s call is being recorded.
Operator
Good day, and welcome to W. R. Berkley Corporation Fourth Quarter 2020 Earnings Conference Call. [Operator Instructions]
The speaker s remarks may contain forward-looking statements. Some of the forward-looking statements can be identified by the use of forward-looking words, including without limitation, believe, expects or estimates. We caution you that such forward-looking statements should not be regarded as a representation by us that future plans, estimates or expectations contemplated by us will, in fact, be achieved.
Please refer to our Annual Report on Form 10-K for the year ended December 31, 2019, and our other filings made with the SEC for a description of the business environment in which we operate and the important factors that may materially affect our results.