Douglas Constantine | executive |
Lori Niederst | executive |
Kathy Lemieux | executive |
Sean Freeman | executive |
Michael Zaremski | analyst |
Susan Griffith | executive |
John Sauerland | executive |
Jian Huang | analyst |
Joshua Shanker | analyst |
Patrick Callahan | executive |
Jamminder Bhullar | analyst |
Robert Cox | analyst |
Elyse Greenspan | analyst |
David Motemaden | analyst |
Ryan Tunis | analyst |
Michael Ward | analyst |
Meyer Shields | analyst |
Yaron Kinar | analyst |
Michael Phillips | analyst |
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 statements related to its results in addition to those provided in its annual report on Form 10-K and the letter to shareholders, which have been posted to the company's website.
This quarter includes 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 and the presentation were previously recorded.