Abbe Goldstein | SVP, IR |
Alan Schnitzer | Chairman & CEO |
Daniel Frey | EVP & CFO |
Gregory Toczydlowski | EVP & President, Business Insurance |
Thomas Kunkel | EVP and President, Bond & Specialty Insurance |
Michael Klein | EVP, President, Personal Insurance and Head, Enterprise Business Intelligence & Analytics |
Jay Gelb | Barclays Bank |
Michael Phillips | Morgan Stanley |
Elyse Greenspan | Wells Fargo Securities |
Ryan Tunis | Autonomous Research |
Brian Meredith | UBS Investment Bank |
Michael Zaremski | Crédit Suisse |
Lawrence Greenberg | Janney Montgomery Scott |
Meyer Shields | KBW |
Joshua Shanker | Deutsche Bank |
Amit Kumar | The Buckingham Research Group |
Yaron Kinar | Goldman Sachs Group |
Jeffrey Schmitt | William Blair & Company |
Good morning, ladies and gentlemen. Welcome to the First Quarter 2019 Results Teleconference For Travelers. [Operator Instructions].
As a reminder, this conference is being recorded on April 18, 2019. At this time, I would like to turn the conference over to Ms.