Good afternoon, and welcome to the Lyft fourth quarter and full year 2024 earnings call. [Operator instructions] As a ...

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Operator: Good day, and welcome to the Arrow Electronics Fourth Quarter 2024 Earnings Call. [Operator Instructions]. Today ...

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Thank you for standing by, and welcome to the Chubb Ltd. fourth quarter 2024 earnings conference call. [Operator instructions] Thank you. I'd now like to turn the call over to Karen Beyer ...