Abbe Goldstein | Senior Vice President of Investor Relations |
Alan Schnitzer | Chairman and CEO |
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 |
Brian Meredith | UBS |
Ryan Tunis | Autonomous Research |
Jimmy Bhullar | JPMorgan |
Elyse Greenspan | Wells Fargo |
Alex Scott | Goldman Sachs |
Paul Newsome | Piper Sandler |
Josh Shanker | Bank of America |
David Motemaden | Evercore ISI |
Tracy Benguigui | Barclays |
Yaron Kinar | Jefferies |
Mike Zaremski | Wolfe Research |
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 formal remarks at which time you will be given instructions for the question-and-answer session.
As a reminder, this conference is being on January 20, 2022. At this time, I would like to turn the conference over to Ms.