Abbe Goldstein | Senior Vice President of Investor Relations |
Alan Schnitzer | Chairman & Chief Executive Officer |
Dan Frey | Chief Financial Officer |
Greg Toczydlowski | President, Business Insurance |
Tom Kunkel | President, Bond & Specialty Insurance |
Michael Klein | President, Personal Insurance |
Bill Heyman | Vice Chairman & Chief Investment Officer |
Jay Gelb | Barclays |
Mike Phillips | Morgan Stanley |
Mike Zaremski | Credit Suisse |
Elyse Greenspan | Wells Fargo |
Bijan Moazami | Compass Point Research |
Ryan Tunis | Autonomous Research |
Meyer Shields | KBW |
Yaron Kinar | Goldman Sachs |
Amit Kumar | Buckingham Research |
Brian Meredith | UBS |
Good morning, ladies and gentlemen. Welcome to the Second Quarter 2019 Results Teleconference for Travelers. We ask that you hold all questions until the completion of formal remarks, at which time you'll be given instructions for the question-and-answer session.
As a reminder, this conference is being recorded on July 23, 2019.
At this time, I'd like to turn the conference over to Ms.