Alan Schnitzer | Chairman and CEO |
Abbe Goldstein | Senior Vice President of Investor Relations |
Dan Frey | Chief Financial Officer |
Greg Toczydlowski | President of Business Insurance |
Jeff Klenk | Bond and Specialty Insurance |
Michael Klein | Personal Insurance |
Michael Phillips | Morgan Stanley |
Mike Zirinski | Wells Research |
Elyse Greenspan | Wells Fargo |
Ryan Tunis | Autonomous Research |
Jimmy Bhullar | JP Morgan |
Paul Newsome | Piper Sandler |
David Motemaden | Evercore ISI |
Brian Meredith | UBS |
Meyer Shields | KBW |
Tracy Benguigui | Barclays |
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, 2021. At this time, I would like to turn the conference over to Ms.