Good morning, ladies and gentlemen. I'm Glen Messina, Chair of the Board of Onity Group Inc. On behalf of our board of directors, I would like to extend to each of you a sincere welcome to this annual meeting of shareholders. I understand we have shareholders and guests with us online. Thank you for joining. Our virtual meeting provider, Broadridge, is standing by for technical support. We appreciate your patience should any unanticipated issues arise. I would also like to thank those shareholders who are unable to participate in this virtual meeting today, but who took the time to send us their proxies. Their participation in the governance of the company is much appreciated. Joining me are Jenna Evans, Chief Risk and Compliance Officer, Joe Samarias, Chief Legal Officer and Company Secretary, and Leah Hutton, Deputy General Counsel and Assistant Company Secretary. In addition, we are joined remotely by other members of our board of directors, Alan Bowers, Jacques Busquet, Claudia Merkle, Don Morris, Kevin Stein, and Robert Welborn. Bill Martin of Deloitte & Touche, LLP, our independent accounting firm, has also joined us and is available to respond to questions. Before turning to the business portion of today's meeting, on behalf of Onity board of directors, I would like to once again thank our entire Onity team around the globe for their continued agility, leadership, and commitment over the past year. We will now turn to the business portion of today's meeting. I hereby call this meeting to order. On March 23rd, 2026, the record date fixed by the board of directors for determining shareholders entitled to a notice of and to vote at this meeting, the company had 8,535,186 shares of common stock outstanding. Notice of this meeting was mailed on or about April 14th, 2026 to all shareholders of record as of the record date. A copy of the notice and proof of mailing will be filed with the records for this meeting. The list of shareholders of the company as of the record date is available through the virtual meeting website and will remain open for inspection until the close of the meeting. Before proceeding to items of business, I want to mention four housekeeping items. First, Joe Samarias will act as secretary for this meeting. Second, the board has appointed Joe Samarias and Leah Hutton to be the judges of election for purposes of overseeing the tabulation of the votes at this meeting. Third, if you joined this meeting through the shareholder login portal of the virtual meeting website, you have the option to cast your vote on the matters presented at any time during this meeting until I announce that the voting is closed following the presentation of the proposals. If you previously submitted your vote on the matters presented, your vote during this meeting will supersede your prior vote. Fourth, a copy of our agenda for this meeting, our bylaws, and our 2026 proxy statement are available through the virtual meeting website. If you join this meeting through the shareholder login portal and you wish to ask a question regarding the matters presented, please click on the box labeled Q&A in the lower right corner of your screen. A question must be relevant to the specific business being conducted at the meeting or directed towards matters of corporate governance in order to be considered for discussion. We will address all appropriate questions during the question and answer period at the end of this meeting, provided that time permits. Joe Samarias and I hold proxies to vote for a total of 6,924,183 shares of common stock, which represent 81% of the combined voting power of the company's voting stock. As this represents at least a majority of the votes that all shareholders are entitled to cast, a quorum is therefore present for this meeting. We will now proceed to the 3 items being voted upon at this meeting. Voting will be closed after we have covered all 3 proposals. Proposal number 1, election of directors. The first item on the agenda is the election of directors as set forth in the proxy statement, which was sent to all shareholders. 7 directors are to be elected to the board of directors for a term of 1 year or until their successors are elected and qualified. The board of directors has nominated the following individuals for director. Glen A. Messina, Alan J. Bowers, Jacques J. Busquet, Claudia J. Merkle, Don C. Morris, Kevin Stein, and Robert S. Welborn III. The chair will now entertain a motion to put these nominees before the shareholders. Mr. Chair, I am a shareholder, and I move to elect the seven individuals named as directors. May I have a second? Mr. Chair, I am a shareholder, and I second the motion. Therefore, let us move to the other items on the schedule. Proposal number 2 is the ratification of the appointment of Deloitte & Touche LLP as the company's independent registered public accounting firm. In the ratification appointment of Deloitte as the independent registered public accounting firm for the company as of the fiscal year ending 2026, the chair will entertain a motion to put this matter before the meeting. Mr. Chair, I move to approve the ratification of Deloitte & Touche LLP as proposed. May I have a second? Mr. Chair, I second the motion. Please note that a representative of Deloitte & Touche LLP is present and will be available to respond to appropriate questions from you at the conclusion of the meeting. Our third proposal, on the agenda, is an advisory vote to approve named executive officer compensation. The chair will entertain a motion to put this matter before the meeting. Mr. Chair, I move to approve the advisory resolution on named executive officer compensation. May I have a second? Mr. Chair, I second the motion. Thank you. We will now close voting on the matters before the meeting and proceed with the results of balloting. I will ask Joe Samarias, as one of our judges of election, to confirm the results. Mr. Chair, the results of balloting are as follows. With respect to proposal number 1, each of the nominees has received the affirmative vote of a plurality of the votes cast. Therefore, Glen Messina, Alan Bowers, Jacques Busquet, Claudia Merkle, Don Morris, Kevin Stein, and Robert Welborn have each been elected to serve as directors for a 1-year term expiring in the year 2027. With respect to proposal number 2, the appointment of Deloitte & Touche LLP as the company's independent registered public accounting firm for 2026 has been ratified, having received the affirmative vote of a majority of the votes cast. With respect to proposal number 3, the advisory resolution to approve named executive officer compensation, as set forth in the proxy statement, has received the affirmative vote of a majority of the votes cast. Thank you, Joe. I note that with respect to proposal 2 regarding ratification of the auditor appointment and proposal number 3 regarding executive compensation, it will be up to the Board of Directors and the appropriate Board Committees to consider and determine the appropriate response to shareholder feedback received today in the form of these ratifying or advisory votes. At this time, I will address shareholder questions that have been submitted during the course of this meeting. Joe, will you please read any questions? Mr. Chair, we have received no questions. There being no other business to come before this meeting, I now declare this meeting adjourned. Thank you for your participation and for your attendance at this meeting. We look forward to hearing from you at next year's annual meeting. This concludes today's meeting. You may now disconnect.