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Operator Good day, and welcome to the Two Harbors Investment Corp. fourth-quarter 2020 financial results conference call. Today s conference is being recorded. And at this time, I would like to turn the conference over to Paulenier Sims. Please go ahead. Senior Director, Head of Investor Relations Good morning, everyone. I m excited to join the Two Harbors team and look forward to working with all of you. I d like to welcome you to our call to discuss Two Harbors fourth-quarter 2020 financial results. With me on the call this morning are Bill Greenberg, our president and CEO; Mary Riskey, our chief financial officer; and Matt Koeppen, our chief investment officer. ....