Tricia Griffith | President and Chief Executive Officer |
Doug Constantine | Director of Investor Relations |
Pat Callahan | President of Personal Lines |
Jimmy Bhullar | JPMorgan |
Andrew Kligerman | Credit Suisse |
Elyse Greenspan | Wells Fargo |
Michael Phillips | Morgan Stanley |
Gary Ransom | Dowling & Partners |
Joshua Shanker | Bank of America |
Greg Peters | Raymond James |
David Motemaden | Evercore ISI |
Yaron Kinar | Jefferies |
Tracy Benguigui | Barclays |
Brian Meredith | UBS |
Alex Scott | Goldman Sachs |
Meyer Shields | Keefe, Bruyette & Woods, Inc. |
Ryan Tunis | Autonomous Research |
Welcome to the Progressive Corporation's First 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 on the company's website, although our CEO Tricia Griffith will make a brief statement. The company will then use the remainder of the events to respond to questions. Action is moderation for the event will be Progressive Director of Investor Relations Doug Constantine. At this time, I will turn the event over to Mr.