Gabriel Tirador | President and CEO |
Ted Stalick | SVP and CFO |
Jeff Schroeder | VP and Chief Product Officer |
Greg Peters | Raymond James |
Chris Campbell | KBW |
Jay Cohen | Bank of America Merrill Lynch |
Corey Wrenn | Pecaut |
Good morning. My name is Valerie and I will be your conference operator today. At this time, I would like to welcome everyone to the Mercury General Third Quarter 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.