John A. Hall | MetLife, Inc. |
Steven Albert Kandarian | MetLife, Inc. |
John McCallion | MetLife, Inc. |
Michel A. Khalaf | MetLife, Inc. |
Steven Jeffrey Goulart | MetLife, Inc. |
Oscar Schmidt | MetLife, Inc. |
Martin J. Lippert | MetLife, Inc. |
Ryan Krueger | Keefe, Bruyette & Woods, Inc. |
Erik James Bass | Autonomous Research US LP |
Thomas Gallagher | Evercore ISI |
Andrew Kligerman | Credit Suisse Securities (NYSE:USA) LLC |
Jimmy S. Bhullar | JPMorgan |
John Nadel | UBS Securities LLC |
Alex Scott | Goldman Sachs & Co. LLC |
Larry Greenberg | Janney Montgomery Scott LLC |
Jay A. Cohen | Bank of America Merrill Lynch |
John Bakewell Barnidge | Sandler O'Neill & Partners LP |
Ladies and gentlemen, thank you for standing by. Welcome to the MetLife Second Quarter 2018 Earnings Release Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. Instructions will be given at that time.