Chris Swift | Chairman and CEO |
Doug Elliot | President |
Beth Bombara | CFO |
Sabra Purtill | Head of IR |
Randy Binner | B. Riley FBR |
Amit Kumar | Buckingham Research |
Elyse Greenspan | Wells Fargo |
Michael Phillips | Morgan Stanley |
Ryan Tunis | Autonomous Research |
Mike Zaremski | Credit Suisse |
Josh Shanker | Deutsche Bank |
Tom Gallagher | Evercore |
Brian Meredith | UBS |
Jay Cohen | Bank of America Merrill Lynch |
Bob Glasspiegel | Janney Montgomery Scott |
Sean Reitenbach | Keefe, Bruyette & Woods |
Good morning. My name is James and I will be your conference operator today. At this time, I’d like to welcome everyone to The Hartford’s Third Quarter 2018 Financial Results Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question-and-answer session.