Lenard Ormsby | EVP, Chief Legal Officer & General Counsel |
Doug Dirks | President & CEO |
Mike Paquette | EVP, Treasurer & CFO |
Steve Festa | EVP & COO |
Mark Hughes | SunTrust |
Cliff Gallant | Philadelphia Financial |
Good day ladies and gentlemen and welcome to the Employers Holdings Inc. Q3 2017 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time. [Operator Instructions] As a reminder, this conference call is being recorded.