Mac Armstrong, Chairman and Chief Executive Officer, Palomar Holdings : Thank you, operator, and thank you all for joining us today. I'm very proud of our second quarter results. They are a clear demonstration of the success we are having building Palomar into a market leader in the specialty insurance sector, a market leader with a portfolio that is distinct and has industry leading products. We delivered strong top and bottom line growth and our property products, the balance of residential and commercial exposures, us to grow and perform in soft and hard markets like we're experiencing today. New lines like Crop and Casualty delivered strong growth this quarter and are well positioned to maintain them and we are well positioned to maintain the momentum over the medium term.