Doug Constantine | Director, Investor Relations |
Tricia Griffith | Chief Executive Officer |
John Curtiss | Personal Auto Product Development Leader |
Kanik Varma | General Manager, Personal Lines |
John Sauerland | Chief Financial Officer |
Pat Callahan | President, Personal Lines |
Elyse Greenspan | Wells Fargo |
Mike Zaremski | Wolfe Research |
Jimmy Bhullar | JPMorgan |
Michael Phillips | Morgan Stanley |
Greg Peters | Raymond James |
Josh Shanker | Bank of America |
Paul Newsome | Piper Sandler |
Yaron Kinar | Jefferies |
Tracy Benguigui | Barclays |
David Motemaden | Evercore ISI |
Alex Scott | Goldman Sachs |
Gary Ransom | Dowling & Partners |
Meyer Shields | KBW |
Good morning and thank you for joining us today for Progressive’s Fourth Quarter Investor Event. I am Doug Constantine, Director of Investor Relations and I will be moderator for today’s event. The company will not make detailed comments related to its results in addition to those provided in its annual report on Form 10-K, quarterly reports on Form 10-Q in the letter to shareholders, which have been posted to the company’s website.
This quarter, we will have a presentation on a specific portion of our business, followed by a question-and-answer session with members of our leadership team. The introductory comments by our CEO and the presentation were previously recorded.