Operator: Good day, and thank you for standing by. Welcome to Apogee Enterprises Fourth Quarter Earnings Conference Call.

Operator: Before we get started, let me remind everyone that through the course of the teleconference, Kinsale ...

Net interest margin (NIM) -- 3.67%, up 5 basis points sequentially, with full-year NIM guidance revised upward to the upper 3 ...

Private Wealth Revenue -- The Private Wealth business generated record revenue of $3.9 million, representing an 11% increase ...

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Combined Ratio -- 93.2%, reflecting underwriting profitability amidst a competitive workers' compensation market. Repurchases ...

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