Alicia Charity | Investor Relations |
Jim Cracchiolo | Chairman and Chief Executive Officer |
Walter Berman | Chief Financial Officer |
Andrew Kligerman | Credit Suisse |
Erik Bass | Autonomous Research |
Humphrey Lee | Dowling & Partners |
John Nadel | UBS |
Thomas Gallagher | Evercore ISI |
Ryan Krueger | Keefe, Bruyette & Woods |
Alexander Blostein | Goldman Sachs & Co. |
Suneet Kamath | Citigroup |
John Barnidge | Sandler O'Neill |
Nigel Dally | Morgan Stanley |
Welcome to the Q3 2019 Earnings Call. My name is John and I'll be your operator for today's call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. [Operator Instructions] Please note the conference is being recorded.