 Statements made on todays call will include forward-looking statements about Endurances future expectations, plans and prospects. All such forward-looking statements are subject to risks and uncertainties. Please refer to the cautionary language in todays earnings release, and to our Form 10-K filed with the SEC on February 14, 2020, for a discussion of the risks and uncertainties that could cause our actual results to be materially different from those contemplated in these forward-looking statements. 