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Operator Ladies and gentlemen, thank you for standing by and welcome to the Q4 2020 Kinsale Capital Group, Inc Earnings Conference Call. [Operator Instructions] Before we get started, let me remind everyone that through the course of the teleconference, Kinsale s management may make comments that reflect their intentions, beliefs and expectations for the future. As always, these forward-looking statements are subject to certain risk factors which could cause actual results to differ materially. These risk factors are listed in the Company s various SEC filings, including the 2020 quarterly reports on Form 10-Q and the 2019 Annual Report on Form 10-K, which should be reviewed carefully. The Company has furnished a Form 8-K with the Securities and Exchange Commission that contains the press release announcing its fourth quarter results.

New yorkUnited statesBryanp petrucelliBriand haneyColin ducharmeMark hughes truistMichael kehoeRon bobmanJeff schmittBrian haneyRonald david bobmanScott heleniakHeather takahashiHeather takahashi thriventCasey alexanderMichaelp kehoe