Susan Bernstein | Senior IR Officer |
Christopher Swift | Chairman & CEO |
Douglas Elliot | President |
Beth Costello | EVP & CFO |
Jimmy Bhullar | JPMorgan Chase & Co. |
Elyse Greenspan | Wells Fargo Securities |
Jon Newsome | Piper Sandler & Co. |
David Motemaden | Evercore ISI |
Ryan Tunis | Autonomous Research |
Brian Meredith | UBS Investment Bank |
Meyer Shields | KBW |
Amit Kumar | Buckingham Research |
Michael Zaremski | Crédit Suisse |
Michael Phillips | Morgan Stanley |
Good morning. My name is Alyssa, and I will be your conference operator today. At this time, I would like to welcome everyone to The Hartford's Fourth Quarter 2019 Financial Results Conference Call and Webcast. [Operator Instructions]. Please note this event is being recorded.