Rob Berkley | CEO |
Rich Baio | CFO |
Amit Kumar | Buckingham Research |
Michael Phillips | Morgan Stanley |
Joshua Shanker | Deutsche Bank |
Yaron Kinar | Goldman Sachs |
Mike Zaremski | Credit Suisse |
Ryan Tunis | Autonomous Research |
Meyer Shields | KBW |
Brian Meredith | UBS |
Good day, and welcome to W. R. Berkley Corporation's Fourth Quarter 2019 Earnings Conference Call. Today's conference call is being recorded. The speakers' remarks may contain forward-looking statements.