Our vision is clear. It is based on customer service excellence and living our core values of responsiveness, teamwork and caring. It supports our commitment to being a socially responsible company, and one that acknowledges the importance of being a good steward of our environment — a company that makes a difference in the communities we serve. As I’ve said before, we are building a company of which we and the communities we serve can be proud. It is as simple as that. We believe that fully realizing our values means taking intentional action to make our communities and our workplace better. Our continued work and our conversation in these critical areas are an integral part of who we are. We know that to be regarded as the best, we must sustainably serve our employees, shareholders, customers, and the community at large — and that work never stops. Consistent with our goals, we operate within a highly transparent governance structure that aligns with our stakeholders and supports our long-term goals, including our ESG initiatives. Two years ago — almost overnight — home became a place to work, a place to live, a place to learn and, most importantly, a place to stay healthy and safe. Everything that’s occurred over the past two years has reinforced the importance of home to all the communities Stewart serves. Our more than 7,300 worldwide employees continue to rise to the challenges the COVID-19 pandemic creates, helping to make home ownership during these difficult financial times a reality. 2021 reinforced that who we are and what we stand for is even more important than what we do.