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Operator Ladies and gentlemen, thank you for standing by, and welcome to the GoHealth s fourth-quarter 2020 earnings conference call. [Operator instructions] I would now like to hand the conference to your speaker today, Jay Koval, VP of IR. Please go ahead, sir. Jason Koval Vice President of Investor Relations Thank you, Joelle, and good afternoon, everyone. First, I want to apologize for the press release getting out a little late. We had some issues with PR Newswire. But thank you all for taking the time to join us for GoHealth s fourth-quarter and full-year 2020 earnings call. Joining me today are Clint Jones, co-founder and chief executive officer; Travis Matthiesen, chief financial officer; Shane Cruz, our chief operating officer; And Jake Gudmundsen, president of Medicare. This afternoon s conference call contains forward-looking statements based on our current expectations. Numerous risks and uncertainties may cause actual results to differ materially from those antic

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