David Webb | SVP, Corporate Development & Strategy |
Naveen Anand | President & CEO |
Jeff Passmore | CFO |
Marcus Aiello | Raymond James |
Bob Farnam | Boenning and Scattergood |
Sam Hoffman | Lincoln Square |
Andrew Boord | Fenimore |
Greetings, and welcome to the Hallmark Financial Services 2019 Third Quarter Conference Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions]. These instructions will be given again prior to the question-and-answer session.