Beazer Homes USA, Inc.

Q4 2023 Earnings Conference Call

11/16/2023

spk00: Good afternoon and welcome to the Beezer Homes Earnings Conference call for the fourth quarter and fiscal year ended September 30th, 2023. Today's call is being recorded and a replay will be available on the company's website later today. In addition, presentation slides intended to accompany this call are available within the investor relations section of the company's website at www.beezer.com. At this point, I will turn the call over to David Goldberg, Senior Vice President and Chief Financial Officer.
spk02: Thank you. Good afternoon and welcome to the Beezer Homes conference call for our fourth quarter and full year of fiscal 2023. Before we begin, you should be aware that during this call, we will be making forward-looking statements. Such statements involve known and unknown risks, uncertainties, and other factors described in our SEC filings, which may cause actual results to differ materially from our projections. Any forward-looking statement speaks only as the date the statement is made. We do not undertake any obligation to update or revise any forward-looking statement, whether as a result of new information, future events, or otherwise. New factors emerge from time to time, and it is simply not possible to predict all such factors. Joining me is Alan Merrill, our Chairman and Chief Executive Officer. Today, Alan will discuss highlights from our fiscal 2023 results, an update on our multi-year goals, how we are navigating the affordability challenges for homebuyers, and our growth expectations for fiscal 2024. I'll then provide details on our fiscal 2023 full year results, updates on our cycle time and cost reduction initiatives, additional details on our expectations for the first quarter and full year, and end with a look at our balance sheet and book value. We will conclude with a wrap-up by Alan. After our prepared remarks, we will take questions during the remaining time. I will now turn the call over to Alan.
spk03: Thank you, Dave, and thank you for joining us on our call today. I'm extremely proud of our team's efforts and results for fiscal 23. We overcame an exceptionally difficult sales environment in the first quarter of last year, which allowed us to make significant progress against our balanced growth and multi-year goals. With a strong finish in the fourth quarter, we delivered both financial and operational results that met or exceeded our expectations. From a financial perspective, we generated more than $150 million of net income, resulting in healthy returns on both assets and equity. We invested almost $600 million in land and land development And at the same time, we strengthened our balance sheet with leverage now below 40% and stockholders' equity above $1 billion. From an operational perspective, we positioned ourselves for growth by increasing our community count and controlled lot position. We reclaimed more than two months of construction cycle time, and we expanded our leadership in energy efficiency. We were also recognized as a top workplace, reflecting our efforts to sustain an exceptional level of employee engagement. Against a very difficult interest rate and housing backdrop, FY23 challenged us in many ways, and we came through in very good shape. In the middle of fiscal 23, we laid out three multi-year goals intended to define specific targets and timelines as part of our long-standing balanced growth strategy. These targets represent our highest priorities and are centered around community count growth, balance sheet strength, and the energy efficiency of our homes. As it relates to our growth, we ended the year with 134 active communities, up 9% versus the prior year as we successfully activated 60 new communities. In FY24, we expect year-over-year growth in our active community count each quarter. Further out, we have excellent visibility to more than 200 active communities by the end of fiscal 2026. As it relates to our balance sheet, we finished the year with our net debt to net capitalization ratio at 36%, representing a nine point decline versus the prior year. Our profitability expectations for fiscal 24 should allow us to reduce that ratio into the low 30s by the end of this year. putting our multi-year goal of net debt to net cap below 30% well within reach by the end of fiscal 26. Finally, as it relates to the homes we build, we remain the only public builder with a commitment to building 100% of our homes to the Department of Energy's zero energy ready standard. In 2023, we greatly expanded our production of these homes with the share of zero energy ready starts jumping from 2% in Q1 to 28% in the fourth quarter. By the end of fiscal 24, we expect well over half our starts will meet the DOE standard, positioning us to have every home we start zero energy ready by the end of 2025. We remain confident in the longer-term supply and demand dynamics that underpin our strategy and our industry, but affordability has been is and is likely to remain the central challenge for new home sales. Part of the challenge is consumer psychology, with buyers daunted by monthly payments larger than they're accustomed to. But the other part is math. Many prospects simply don't have the income to afford the payments for the home or the location they desire. To help combat this, we have structured our incentives to allow customers to direct dollars between home price discounts and closing costs, which often include buy downs. This allows different buyers to make different choices. In a rising rate environment, builder financing incentives typically increase, at least initially, and our experience confirms this. As the 30-year mortgage rate moved from about 7% at the end of June to just over 8% in October, Our contribution towards closing costs increased about one point on new sales. As part of our mortgage choice program, our lenders also contribute to closing costs and rate buy downs, which leverages our contributions. Of course, our mortgage strategy is about more than just buy downs. It's about choice. We have multiple choice lenders available to provide loan estimates to every buyer, which incentivizes our lenders to compete on loan programs, closing costs, buy downs, and service levels, in addition to rates. We have two other differentiators for home buyers, both of which directly target affordability concerns. Surprising performance encompasses our construction quality and energy efficiency efforts, with measurable monthly savings on utility bills for our buyers. Choice plans enables buyers of to-be-built homes to select floor plan elements to match their lifestyle at no additional cost. We are laser focused on affordability and believe we have created a differentiated strategy to address it. While the year ahead undoubtedly holds both opportunities and challenges, we continue to expect growth on many fronts. Our larger community count provides the basis for our expectations for more closings, leading to higher revenue and profitability in 2024 as we aggressively pursue our multi-year goals. Overall, I'm very pleased with what we were able to accomplish in fiscal 23 and remain excited about where we're going in fiscal 24 and beyond. With that, I'll turn the call back to Dave.
spk02: Thanks, Alan. I'm going to focus my comments this afternoon on our annual results. You can find our detailed fourth quarter performance in our press release. For the full year, we generated an average pace of 2.6 sales per community per month with a cancellation rate of 20%. Home building revenue was $2.2 billion, down about 5%, as the benefit from higher ASPs largely offset a decline in closings. Gross margin, excluding amortized interest, impairments, and abandonments, was 23.1%. This was the second highest annual gross margin over the last 10 years. SG&A as a percentage of total revenue was 11.5%, as we continued to invest in our growth. This all led to adjusted EBITDA of $272 million. Interest amortized as a percentage of home building revenue was 3.1%, flat compared to the prior year. Our GAAP effective tax rate was 13.1% as we benefited from energy efficiency tax credits. This led to net income of $159 million, or $5.16 of earnings per share. Land and land development spending accelerated in the fourth quarter, allowing us to grow our controlled lot position both sequentially and year over year, while also increasing our percentage of lots controlled under option. In the beginning of fiscal 2023, we set forth cycle time and cost reduction objectives as we targeted regaining ground loss during COVID. I'm happy to report we made significant gains on both fronts during the year. In the fourth quarter, cycle times on closings were down more than two months versus the prior year. In fiscal year 24, we expect further improvements as we drive cycle times closer to pre-pandemic levels. Turning to cost reductions, we were pleased with our ability to recognize significant savings in the back half of the year, primarily through lower lumber costs. This contributed to gross margins increasing sequentially from Q2 through Q4 on an average sales price that was declining primarily due to product and feature changes implemented to address affordability. Looking forward to the fiscal first quarter. Quarter to date sales are up year over year, but we're more sluggish when mortgage rates reach 8%. Although we are encouraged by the recent move down in rates, our guidance today does not assume this will translate into a meaningful improvement in sales pace this quarter. We are currently expecting at least 650 sales, which will be up more than 30% off last year's very low base. Our ending active community count should be flat sequentially and up 10% year over year. On the income statement, transformer issues are likely to adversely impact our conversion rate as we anticipate having about 50 finished homes awaiting power at quarter end. We still expect a backlog conversion ratio above 45% as we benefit from improved cycle times resulting in year-over-year revenue growth. Our ASP should be around $510,000. We expect adjusted home building gross margin to be 23% or higher. Our absolute dollars spent on SG&A should be up approximately $2 million versus the same quarter last year. We expect this to result in adjusted EBITDA around $40 million. Interest amortized as a percentage of home building revenue should be in the low 3s. and our effective tax rate should be approximately 11% as we continue to benefit from energy efficiency tax credits. This should lead to diluted earnings per share around $0.70. Turning to our full year, our expectations assume the economy, housing conditions, and mortgage rates remain relatively stable. In this environment, we expect to spend at least $700 million on land acquisition and development as we position for future growth. We are targeting double-digit growth in community count by year end. Revenue growth will be a result of higher community count and year-over-year gains in backlog conversions. This should more than offset a decline in our ASP, which we anticipate to average $500,000 for the full year. We expect to generate adjusted home building gross margins in the range of 22% to 23% with a large share of new communities in our mix. Our effective tax rate should be near the midpoint of the 15 to 20% range we provided during last quarter's call. Taken together, we expect to generate double digit returns and continue to grow book value significantly. Achieving our target for double digit returns would lead our book value per share over $40 by the end of the fiscal year. The chart on slide 15 shows the progress we've made thus far in growing our stockholders' equity having more than doubled our book value since the end of fiscal year 19. At the same time, the quality of our book has improved as our DTA as a percentage of book has gone from about 40% three years ago to nearly 10% at the end of this year and will continue to decline. On to the balance sheet. Total liquidity at the end of the year was over $610 million, comprised of $346 million of unrestricted cash, and $265 million available on our fully on drawn revolver. Reducing our net debt to net cap translated into net debt to LTM adjusted EBITDA of 2.3 times. Our 2025 senior notes represent our nearest maturity and we anticipate using a combination of repayment and refinancing to address it. Subsequent to the end of the quarter, there were three noteworthy developments. First, we expanded our revolver commitments to $300 million. Second, Moody's Investor Services increased our rating from B2 to B1. And finally, we repurchased $4 million of our 2025 senior notes, bringing the total outstanding principal below $200 million. With that, I'll turn the call back over to Alan.
spk03: Thank you, Dave. 2023 was a highly successful year for the company. We overcame the challenges associated with much higher mortgage rates and delivered excellent financial and operational results. Equally important, we entered FY24 with a differentiated strategy, an attractive geographic footprint, and expectations for growth across most financial metrics. Looking beyond this year, we have provided investors with three specific multi-year goals to track our progress, growing our community count, strengthening our balance sheet, and extending our leadership in building energy-efficient homes. I'm confident that we have the team and the resources to create growing and durable value for our stakeholders in the years ahead. And with that, I will turn the call over to the operator to take us into Q&A.
spk00: Thank you. We would now like to begin the question and answer portion of today's conference. If you would like to ask a question, please press star 1 and record your name clearly when prompted. To withdraw your question, you may use star 2 at any time. Again, that is star 1 to ask a question. Our first question comes from Julio Romero from Sidoti & Company. Please go ahead.
spk06: Thanks. Hey, good afternoon, Alan and David. Hey, Julio. Hey, Julio. Hey, so it was impressive to see that 42% year-over-year jump in land investment in the fourth quarter. You talked about the full year expectation, I believe about $700 million. Just how do you expect that to trend from a cadence perspective throughout the year? And how much does the reduced construction cycle times you've achieved free up some free cash flow for that increased land spend?
spk02: Well, Julio, I think we'll probably avoid talking about the cadence on land spend at this point in the year. It's still a little bit early. Obviously, we've got our pipeline in front of us, and we talked about kind of what we expect to spend for the full year. I would tell you the increase in the cash flow, frankly, does help, but we have plenty of liquidity on the balance sheet. You can see we ended the year with more than $600 million of liquidity. So I think the other thing, Julio, we're looking at now, and you can kind of look at what we did in 2023. This spend in 23 was relatively back-loaded to the fourth quarter, and we talked about that on previous calls. We spent time early in Q1 renegotiating land deals, and the impact of that was better terms and better deals in many cases, but it also pushed land spend largely into Q4, and you can see the acceleration that we had. That shouldn't, frankly, be the case in 2024. We should have land spend more evenly distributed quarter to quarter, but I don't want to get too far into the details of that until we kind of go through the year.
spk06: That's fair, and I appreciate the color you gave there for sure. And then just Maybe if you could speak to, you know, you obviously have your expectation for community account ramp up. Maybe can you speak to the confidence in that community account ramp you've outlined and that path for growth? And while certainly mortgage rates, you know, will have an effect, maybe just talk about how Beezer might be on a relative basis a little bit less affected than others.
spk03: Well, sure. I'll take a stab at it and Dave will fix it up, Julio. I think that during 24, we feel very confident about the ramp. Those are deals that are locked and loaded under development, and they're going to get to the market this year kind of regardless of where rates are. A lot of 25 is in a similar category. Clearly, we've got some discretion. If we decided that things were really tough, we could slow up a little bit, but we've got the owned and controlled lot position to have multiple years of community account growth. So what we committed to last year, we're still on that track. In terms of being in a little different position, and look, sales this week, this month, this quarter, this six months has an influence on land activity, but you know there's a two-year or so latency between buying a deal and activating a deal, and so those things are always going to be a little bit asynchronous. From a sales perspective, our view is pretty clearly that having mortgage choice and surprising performance and choice plans gives us ways of meeting the customer where they are from an affordability standpoint, trying to find ways that they can get into the home of their dreams as opposed to having to compromise. But that's a little different context than the cadence of community account growth. because the community count growth for 24 decisions we made in 21, 22, and 23. Very good.
spk06: I'll pass it on. Thanks very much. Thank you, Leo.
spk00: Next, we'll go to the line of Alan Ratner from Zellman & Associates. Please go ahead.
spk07: Hey, guys. Good afternoon. Congrats on all the progress this year. Thank you. Would love to drill in first on just kind of some of the more recent commentary you had, which I appreciate the color there. So if I look at the guidance, and I fully appreciate, you know, you're extrapolating out maybe a tougher few weeks here, but 650 orders would be down about 35% sequentially. You know, that's much, much more severe than you guys typically see in your fiscal first quarter. And you mentioned the 100 basis point increase, I believe, in incentives for October. We've heard things from other builders, kind of similar trajectory there. How are you thinking about that interplay between kind of the current incentive environment, maybe what some of your competitors are doing, versus the order side? Because that seems like it's a pretty significant drop-off, and my interpretation is maybe you guys are taking a bit of a backseat towards the calendar year-end companies that might be a bit more aggressive in the near term.
spk03: Well, there's a lot in that question, Alan, and you're right on just about every front. For sure, this is a strange time of year, dealing with November and December year-end companies that have big spec positions, and they're trying to make not just sales, but closings in a relatively compressed period of time. And we typically lay a little bit lower during what is our fiscal first quarter and try not to get caught up in it. So that is That is the case, but that's the case every year. It is the case this year. I think it's also true that there's just been so much volatility in mortgage rates in the last 60 days. I mean, that run-up to 8 and then the easing, there's no question that run-up to 8 affected traffic and it affected sales. Mid-October into the early part of November wasn't great. But it's also true that what's happened in the last 10 days has definitely stimulated a level of activity that we weren't seeing three or four weeks ago. So we find ourselves at sort of an awkward point for the earnings call because I could feel really good about seven days where I could look at the last month or two and say, well, it's sort of mixed. Or as you did, you can look at it over years and look at, well, what's the normal sort of progression? So I think we've given a fairly cautious estimate of where sales may land in the first quarter. And it's influenced a little bit by what you said. I don't think we're in a place where we feel like we have to go chase unit activity right now. We've got compressing cycle times working in our favor. We've got a rock-solid balance sheet. We've got a lot of runway left in the fiscal year. So this just doesn't feel like a window where we needed to win the day, win the week in order to set ourselves up for the year. So I touched on three or four different ideas there, but, I mean, each of them sort of come back to we are definitely not giving a guide on orders that's super ambitious. We're giving a guide that's very rooted in some of the tougher weeks of the last two months.
spk07: You answered every part of my multi-part question, Alan, so thank you for that. Second question. Second topic, we'd love to discuss our mortgage rate buy-downs. You know, you've talked a lot about the mortgage choice program that you guys have. There's a lot of focus being spent on mortgage rate buy-downs right now across the industry. You know, other home builders devoted a lot of time on their calls, you know, talking to their national programs they're offering, what the exact rate is. And I know your situation is different. So is there any way for you to give us a little bit of data or insight into, you know, kind of what the – the average rate your buyer actually is getting based on the incentives you're providing or what percentage of your buyers actually are choosing to put the dollars into a rate buy-down, just to kind of give us a little bit of a comparison point to where you guys stack up versus the rest of the industry.
spk03: Yeah, I can give you a little bit of color. I can't give you the same granular data because, obviously, we don't have a mortgage company. But a couple of interesting things, I think. First of all, We are obviously well aware that many competitors offer on a finite number of home for a short period of time a specific incentive in their mortgage rate. We tend to operate a little bit differently, which is the community in the home. Now let's talk to two or three of our choice lenders. What's fascinating is talking to our sales consultants and actually personally talking to some of our buyers, they go through a fairly elaborate, and it's maybe an elongated sales cycle, but they go through a long process of really thinking about, hey, do I want the 3-2-1? Do I want a permanent buy-down? How do I feel about where rates are going to be in the future? Importantly, can I qualify at the fully indexed rate so a temporary buy-down is really the focus and I want to save the cash, or am I more interested in the permanent? And I think seeing different programs and different offerings from different lenders, and each lender knows that other lenders are also talking to that buyer, it's interesting. It isn't as simple as, hey, we have an X percent rate on this home for that price. It is more dynamic than that. But what ends up happening as a result is I think we get customers feeling a little bit more comfortable that they're not getting jammed and they're not missing something. It's not like, gosh, there was an obvious trick to the whole thing that we didn't understand because they're getting that transparency across multiple lenders. I can tell you that more of our buyers opt for permanent buy-downs than temporary buy-downs. a larger share due. But I can also tell you that in that October time period, as rates pushed up two and through eight, we actually saw that start to move more toward the temporary buy downs, from which I can surmise that buyers had a more higher degree of confidence that this is a little bit of a If not a top, it's a high watermark or a higher watermark and there's a higher probability I'm going to be able to refinance this rate and so the temporary makes more sense than the permanent buy down. I mean, that's kind of the type of thing I can tell you getting into specific rates. I mean, for sure, I mean, we've got rate sheets from all of our lenders and we can talk about, you know, what a quarter point on a permanent buy down relates to. But then, you know, what's the credit characteristic of that buyer? What's the loan to value? I mean, there's just too many variables to get into it at that granular level. I will just tell you, I am so happy every day to know that every one of our buyers is seeing multiple proposals, and they go back and forth. Hey, show me your 3-2-1s. All right, show me your 1-by-3s. Show me your 1-by-2s. Show me what your permanent would be. Well, hey, I got a better permanent over here. Can you match this permanent? That dynamic is awesome in an environment like this.
spk07: Excellent detail. Thank you for the time, as always. Appreciate it. Thanks, Alan.
spk00: Next, we'll go to the line of Alex Regal from B. Reilly. Please go ahead.
spk05: Thank you, and good evening, gentlemen. Very nice quarter. Thanks, Alex. Your ASPs have been trending right around this 510 level. Appreciate the thoughts about the first quarter, but as we look beyond that, is there any thought or commentary that you can add to directionally where that ASP could go a little bit further out based upon the new communities that you're bringing on that and whether or not there could be a mixed shift there.
spk02: Oh, Alex, it's Dave. I don't really want to go beyond, you know, 2024 and the kind of initial conversation that we've had on that. But I remind you in the prepared remarks, we talked about kind of a full-year ASP. And, frankly, that's down from where it is right now, around $500,000. Really, a lot of that is kind of choices we're making, right? It's what we're offering. It's community choice. It's product choice. It's included features. So it's not necessarily an assumption as you would imagine on price declines or lower prices, but rather choices we're making to address affordability and still keep value high for the buyer.
spk05: It's very helpful. And then you talked about in the past some certain geographies that maybe you had an interest in accelerating growth in. I think Florida might have been one of the states. Can you give us a little bit of an update there?
spk03: Sure. First of all, we love our footprint. We can grow in every single market that we're in. You know, I don't think people love it when I say dumb taxes, but I say it anyway. We've paid them in a number of places. And so now's the point to benefit from the learnings that we've had along the way. And there's no question. We want to be where the jobs are. Jobs are in Florida. Jobs are in Atlanta. Jobs are in the Carolinas. Jobs are in Nashville. Jobs are in Indy. I mean, those are places that we see great growth opportunities. And then, of course, the West has been very good to us. You know, Phoenix is obviously a little bit more challenging. It's a tough land market. There are water issues. I don't think that's going to be a big growth engine. I do think our business will become a bit bigger there. But I think a larger amount of growth for us is going to be in Texas. Our recently acquired San Antonio business will play a big role in that. Florida and up the East Coast.
spk05: Very helpful. Thank you very much.
spk03: Thanks, Alex.
spk00: Thank you. And again, for those on the phone, if you would like to ask a question, you may use star one. And currently our last question in queue is from Jay McCandless from Wedbush. Please go ahead.
spk01: Hey, guys. Thanks for taking my question. So when I look at the fiscal 24 guidance on page 14, it looks like the adjusted gross margin range, y'all are thinking it's going to be down anywhere from 50 to 110 basis points versus what you put up in fiscal 23. I guess, could you talk about, one, what type of mortgage rate assumptions are built into that? And then maybe, two, is that a function of some of the discounting and price cuts that we're seeing from some of your competitors right now?
spk03: So a few things going on there, Jay, and I think David and I both have things to say. The first thing is, is it assumes, and Dave's comments made this point, we assume that rates are roughly in the range where they are now. You know, call it a quarter of a point, three-eighths of a point, either way. We don't assume that they're falling. We don't assume that they're going to be sustainably over 8%. So that's kind of the framing for how we thought about our full-year guidance. If you think about the margin, it's actually got less to do with discounting and it has more to do with mix shift. I think either Dave or I said in our comments, we opened 60 communities in 2023. We're going to open a bunch of communities in 2024. The mix of communities that we have generating closings in 2024 is going to be tilted to a very young vintage. It's been our experience, and I think you can channel check this across the industry. You're typically not getting your highest gross margins out of a community in the first three, six, nine months. I think that's a significant factor in the margin guide. It does reflect a little bit of the increase that we've had since June in the financing cost, but it's not like we've leaned into that and assumed that that gets worse. It's more kind of a normalized at the current level mortgage rate, and it's a mix issue really driven by that mix of new communities. I have to say I'm really excited to have a bunch of new communities that that were tied up, renegotiated, brought to the market in a much different interest rate environment than when they were originally envisioned, able to generate margins that are above our 10-year average. That's a pretty good place to be.
spk01: Absolutely. I guess the second question I had, for homes that you're selling now that still need to get finished or even just a straight up to be built, I guess, what's the range of delivery times that you're giving out now? And I know you said cycle times are down two months. In the fourth quarter, I guess, from what you're selling now, where do those cycle times compare to where they were pre-COVID?
spk03: We're still probably 30 days wide of the pre-COVID, and I'd like to get about half that back this year. I don't know that we'll get it all back because I think there's some structural delays built into the municipal processes. They haven't staffed back up. The flip side is there's not a lot of multifamily or commercial start activity. So I think on the trade side, number of crews, quality of crews, I think that's where the opportunity is. But I'm targeting to get back at least a couple of weeks this year.
spk01: Okay, that sounds good. Thanks for taking my questions.
spk03: Thanks, Chad.
spk00: Thank you. And our final question in queue comes from Alex Barron from Housing Research Center. Please go ahead.
spk04: Yeah, thank you. Yeah, I wanted to ask about the DTA and expected tax rates. Maybe, Dave, you know, do you still expect it will take a few more years before you completely use this up? In other words, I'm trying to figure out if the tax rate is going to stay low for another two, three years. before it resets back up.
spk02: So, Alex, good question. We do have a slide in the presentation in the appendix that kind of goes over gap tax expectations and cash tax payments for some detail. But I would tell you, yeah, we think we're going to be using our tax benefits for 24, 25, and potentially into 26. And then what you'll see as you get into 26 is we'll start to use the tax benefits that we're generating for energy efficiency tax credits as we're closing the home. So it will be much more simultaneous like most builders. So, yeah, I think we'll have a lower tax rate. We talked about the midpoint of the 15% to 20% range in 24. And quite frankly, I think from a statutory perspective on an ongoing basis, we'll be below kind of normal statutory levels because we're generating tax credits and using them in 26 kind of real time.
spk04: Got it. And then hoping you could comment on thoughts around, you know, share buybacks given your stock's still trading below one-times book.
spk02: Absolutely, Jay. You know, I would tell you, and we've kind of talked about this before, you know, we're confident in our balanced growth strategy and the ability to generate sufficient liquidity to really support our growth aspirations and continue to deliver our balance sheets. As it relates to share repurchases, I would tell you share repurchases are clearly an attractive use of capital depending on share price. But right now our highest priority is clearly growth and debt repurchasing.
spk04: Got it. All right. Thanks and best of luck.
spk02: Thanks. Thanks, Alex.
spk00: And currently I'm showing no other questions in queue.
spk02: Okay. I want to thank everybody for joining us on our fiscal fourth quarter call and look forward to talking to everybody in three months on our first quarter call. Thank you very much for your time this evening.
spk00: Thank you all for participating in today's conference. You may disconnect your line and enjoy the rest of your day.
Disclaimer

This conference call transcript was computer generated and almost certianly contains errors. This transcript is provided for information purposes only.EarningsCall, LLC makes no representation about the accuracy of the aforementioned transcript, and you are cautioned not to place undue reliance on the information provided by the transcript.

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