Robert McLaughlin | executive |
Charles Lowrey | executive |
Robert Falzon | executive |
Yanela del Frias | executive |
Ryan Krueger | analyst |
Suneet Kamath | analyst |
Caroline Feeney-Pfundstein | executive |
Robert Axel | executive |
Elyse Greenspan | analyst |
Andrew Sullivan | executive |
Wesley Carmichael | analyst |
Thomas Gallagher | analyst |
John Barnidge | analyst |
Jamminder Bhullar | analyst |
Michael Ward | analyst |
Ladies and gentlemen, thank you for standing by, and welcome to Prudential's quarterly earnings conference call. [Operator Instructions] As a reminder, today's call is being recorded. I will now turn the call over to Mr. Bob McLaughlin. Please go ahead.