Sabra Purtill | Head of IR |
Chris Swift | Chairman and CEO |
Doug Elliot | President |
Beth Bombara | CFO |
Brian Meredith | UBS |
Ryan Tunis | Autonomous Research |
Elyse Greenspan | Wells Fargo |
Mike Zaremski | Credit Suisse |
Tom Gallagher | Evercore ISI |
Paul Newsome | Sandler O'Neil |
Kai Pan | Morgan Stanley |
Josh Shanker | Deutsche Bank |
Yaron Kinar | Goldman Sachs |
Amit Kumar | Buckingham Research |
Meyer Shields | KBW |
Jimmy Bhullar | J.P. Morgan |
Good morning. My name is Shelby, and I will be your conference operator for today. At this time, I'd like to welcome everyone to The Hartford announces Fourth Quarter and Full-Year 2018 Financial Results as well as 2019 Outlook 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.