Abbe Goldstein | Senior Vice President, Investor Relations |
Alan Schnitzer | Chairman and Chief Executive Officer |
Dan Frey | Chief Financial Officer |
Greg Toczydlowski | Executive Vice President and President, Business Insurance |
Jeff Klenk | Executive Vice President and President, Bond & Specialty Insurance |
Michael Klein | Executive Vice President and President, Personal Insurance |
Greg Peters | Raymond James |
Ryan Tunis | Autonomous Research |
David Motemaden | Evercore ISI |
Elyse Greenspan | Wells Fargo |
Meyer Shields | KBW |
Alex Scott | Goldman Sachs |
Yaron Kinar | Jefferies |
Good morning, ladies and gentlemen. Welcome to the Fourth Quarter Results Teleconference for Travelers. [Operator Instructions] As a reminder, this conference is being recorded January 24, 2023. At this time, I would like to turn the conference over to Ms. Abbe Goldstein, Senior Vice President of Investor Relations.