Doug Constantine | Director of Investor Relations |
Tricia Griffith | Chief Executive Officer |
John Sauerland | Vice President & Chief Financial Officer |
Mike Zaremski | Credit Suisse |
Elyse Greenspan | Wells Fargo |
Jimmy Bhullar | JPMorgan |
Greg Peters | Raymond James |
Michael Phillips | Morgan Stanley |
Gary Ransom | Dowling & Partners |
Yaron Kinar | Goldman Sachs |
David Motemaden | Evercore ISI |
Meyer Shields | KBW |
Brian Meredith | UBS |
Josh Shanker | Bank of America |
Suneet Kamath | Citi Research |
Welcome to The Progressive Corporation’s Third Quarter Investor Event. The company will not make detailed comments related to quarterly results in addition to those provided in its quarterly report on Form 10-Q and the letter to shareholders, which have been posted to the company's website, and we’ll use this event to respond to questions. Acting as moderator for the event will be Progressive's Director of Investor Relations, Doug Constantine. At this time, I’ll turn the event over to Mr. Constantine.