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Intact Financial Corporation (OTCPK:IFCZF) Q1 2025 Earnings Call May 7, 2025 11:00 AM ET Company Participants Geoff Kwan - Chief Investor Relations Officer Charles Brindamour - Chief Executive Officer Ken Anderson - Chief Financial Officer Patrick Barbeau - Chief Operating Officer Guillaume Lamy - Senior Vice President, Personal Lines Conference Call Participants Tom MacKinnon - BMO Capital Paul Holden - CIBC John Aiken - Jefferies Jaeme Gloyn - National Bank Financial Doug Young - Desjardins Mario Mendonca - TD Securities Lemar Persaud - Cormark Operator Good morning, ladies and gentlemen, and welcome to the Intact Financial Corporation Q1 2025 Results Conference Call. [Operator Instructions] Also note that this call is being recorded on May 7, 2025, and now I would like to turn the conference over to Geoff Kwan, Chief Investor Relations Officer.