Gabriel Tirador | President and Chief Executive Officer |
George Joseph | Chairman |
Theodore Stalick | SVP and CFO |
Chris Graves | VP and Chief Investment Officer |
Christopher Campbell | KBW |
Samir Khare | Capital Markets |
Ron Bobman | Capital Returns |
Good morning. My name is Erica, and I will be your conference operator today. At this time, I would like to welcome everyone to the Mercury General Fourth Quarter 2018 Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session.