Doug Constantine | Director of Investor Relations |
Tricia Griffith | President & Chief Executive Officer |
Pat Callahan | President of Personal Lines |
John Sauerland | Chief Financial Officer |
Elyse Greenspan | Wells Fargo |
Michael Phillips | Morgan Stanley |
Mike Zaremski | BMO |
Alex Scott | Goldman Sachs |
Greg Peters | Raymond James |
David Motemaden | Evercore ISI |
Gary Ransom | Dowling Partners |
Josh Shanker | Bank of America |
Andrew Kligerman | Credit Suisse |
Yaron Kinar | Jefferies |
Tracy Benguigui | Barclays |
Meyer Shields | KBW |
Good morning, and 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. Acting as moderator for the event will be Progressive Director of Investor Relations, Doug Constantine.
At this time, I will turn the event over to Mr. Constantine.