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Operator Good day, and thank you for standing by, and welcome to the Rocket Companies, Inc. first-quarter 2021 earnings call. [Operator instructions] I would now like to hand the conference over to your speaker today, Sharon Ng. Please go ahead. Sharon Ng Vice President of Investor Relations Good afternoon, everyone, and thank you for joining us for Rocket Companies earnings conference call covering the first quarter of 2021. I m Sharon Ng, the new vice president of investor relations here at Rocket Companies. With us this afternoon are our CEO, Jay Farner; CFO Julie Booth; and President and COO Bob Walters. Before I turn things over to Jay, let me quickly go over our disclaimers. ....