Shivani Kak | Head, IR |
Raymond McDaniel | President, CEO & Director |
Robert Fauber | EVP, COO & Director |
Mark Kaye | SVP & CFO |
Kevin McVeigh | Crédit Suisse |
Manav Patnaik | Barclays Bank |
Toni Kaplan | Morgan Stanley |
Alexander Kramm | UBS Investment Bank |
Judah Sokel | JPMorgan Chase & Co. |
Craig Huber | Huber Research Partners |
Jeffrey Silber | BMO Capital Markets |
Jake Williams | Wells Fargo Securities |
Shlomo Rosenbaum | Stifel, Nicolaus & Company |
George Tong | Goldman Sachs Group |
Owen Lau | Oppenheimer |
Simon Clinch | Atlantic Equities |
Good day, everyone, and welcome to the Moody's Corporation Third Quarter 2020 Earnings Conference Call. At this time, I would like to inform you that this conference is being recorded. [Operator Instructions]. I would now like to turn the conference over to Shivani Kak, Head of Investor Relations. Please go ahead.