Hello and thank you for joining the Stewart Information Services Third Quarter 2021 Earnings Call. Joining me today are CEO Fred Eppinger and CFO David Hisey. The risks and uncertainties that forward-looking statements are subject to include, but are not limited to, the risks and other factors detailed in our press release published yesterday evening and in the statement regarding forward-looking information, risk factors and other sections of the company's Form 10-K and other filings with the SEC.
Our goal is to create a safe and engaging place for users to connect over interests and passions. In order to improve our community experience, we are temporarily suspending article commenting