Good morning, ladies and gentlemen, and welcome to the fourth quarter 2021 Arbor Realty Trust earnings conference call. [Operator instructions] I would now like to turn the call over to your speaker ...

ABR's long-tenured and shareholder-aligned (12% insider ownership) management team has a solid track record of managing this complementary set of income streams - some floating and others fixed - ...

Before we discuss the details of our quarterly results, I want to highlight some of our more notable 2021 accomplishments, which include generating substantial growth in our earnings, allowing us to ...