Matthew Rohrmann | SVP, Head of IR |
Juan Andrade | President, CEO and Director |
Mark Kociancic | Executive VP and Group CFO |
James Williamson | Executive VP, Group COO and Head of Everest Reinsurance Division |
Michael Karmilowicz | Executive VP and President and CEO of the Insurance Division |
Michael Phillips | Morgan Stanley |
Elyse Greenspan | Wells Fargo |
Brian Meredith | UBS |
Josh Shanker | Bank of America Merrill Lynch |
Michael Zelensky | BMO |
Meyer Shields | KBW |
Yaron Kinar | Jefferies |
Ryan Tunis | Autonomous Research |
Welcome to the Everest Re Group Third Quarter 2022 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions]. Please note this event is being recorded. I would now like to turn the conference over to Mr.