Abbe Goldstein | Senior Vice President, Investor Relations |
Alan Schnitzer | Chairman and Chief Executive Officer |
Dan Frey | Chief Financial Officer |
Gregory Toczydlowski | President, Business Insurance |
Thomas Kunkel | President, Bond & Specialty Insurance |
Michael Klein | President, Personal Insurance, and Head Of Enterprise Business Intelligence & Analytics |
William Heyman | Vice Chairman and Chief Investment Officer |
Jay Gelb | Barclays Bank PLC |
Elyse Greenspan | Wells Fargo Securities, LLC |
Michael Zaremski | Credit Suisse |
Kai Pan | Morgan Stanley |
Amit Kumar | Buckingham Research Group |
Brian Meredith | UBS Investment Bank |
Ryan Tunis | Autonomous Research LLP |
Meyer Shields | Keefe, Bruyette & Woods, Inc. |
Larry Greenberg | Janney Montgomery Scott LLC |
Yaron Kinar | Goldman Sachs |
Good morning, ladies and gentlemen. Welcome to the Fourth Quarter Results Teleconference for Travelers. We ask that you hold all questions until the completion of the 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 January 22, 2019. At this time, I would like to turn the conference over to Ms.