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Operator Good afternoon, ladies and gentlemen, and welcome to Ebix s 2020 Financial Results Investor Call. [Operator Instructions] I d now like to turn the conference over to your host, Mr. Darren Joseph, Corporate Vice President. Darren Joseph Corporate Vice President, Finance & Human Resources Thank you. Welcome everyone to Ebix Incorporated s 2020 annual results earning conference call. Joining me to discuss the quarter is Ebix s Chairman, President and CEO, Robin Raina; President, Insurance Services, North America, Ash Sawhney; and Ebix EVP and CFO, Steve Hamil. Following our remarks, we will open up the call for your questions. Now, let me quickly cover the safe harbor. Some of the statements that we make today are forward-looking, including, among others, statements regarding Ebix s future investments, our long-term growth and innovation, the expected performance of our businesses and our use of cash. These statements involve a number of risks and uncertainties that m

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