So let's get started. So thank you, everyone, for joining this afternoon. My name is Terry Ma. I cover mortgage finance here at Barclays. I'm very pleased to have the gentlemen from FNF joining me on ...

Good morning and welcome to FNF's First Quarter 2025 Earnings Call. [Operator Instructions] I would now like to turn the call over to Lisa Foxworthy-Parker, SVP, Investor and External Relations.