Gabriella Nawi | Senior Vice President, Investor Relations |
Alan Schnitzer | Chairman & CEO |
Jay Benet | Chief Financial Officer |
Brian MacLean | Chief Operating Officer |
Bill Heyman | Chief Investment Officer |
Michael Klein | President, Personal Insurance |
Tom Kunkel | President, Bond & Specialty Insurance |
Greg Toczydlowski | President, Business Insurance |
Kai Pan | Morgan Stanley |
Jay Gelb | Barclays |
Randy Binner | FBR |
Ryan Tunis | Credit Suisse |
Amit Kumar | Buckingham Research Group |
Elyse Greenspan | Wells Fargo |
Jay Cohen | Bank of America Merill Lynch |
Sarah DeWitt | JPMorgan |
Meyer Shields | KBW |
Brian Meredith | UBS |
Good morning, ladies and gentlemen. Welcome to the Third Quarter Results Teleconference for Travelers. We ask that you hold all questions until the completion of formal remarks at which time you will be given instructions for the question-and-answer session.
As a reminder, this conference is being recorded on October 19, 2017. At this time, I would like to turn the conference over to Ms.