Lenard Ormsby | Chief Legal Officer, EVP, General Counsel and Corporate Secretary |
Douglas Dirks | President, CEO & Director |
Michael Paquette | EVP, CFO & Principal Accounting Officer |
Stephen Festa | COO and EVP |
Mark Hughes | SunTrust |
Matthew Carletti | JMP Securities |
Amit Kumar | Buckingham Research |
Robert Farnam | Boenning and Scattergood |
Clifford Gallant | Philadelphia Financial |
Good day, ladies and gentlemen, and welcome to the Second Quarter 2018 Employers Holdings, Inc. 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 is being recorded.