|Susan Spivak Bernstein||SVP, IR|
|Christopher Swift||Chairman and CEO|
|David Motemaden||Evercore ISI|
|Ryan Tunis||Autonomous Research|
|Elyse Greenspan||Wells Fargo|
|Mike Zaremski||Credit Suisse|
|Yaron Kinar||Goldman Sachs|
Good day and welcome to Second Quarter 2020 The Hartford Financial Results Webcast. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note today's event is being recorded. I would now like to turn the conference over to Susan Spivak, Senior Vice President, Investor Relations for Hartford.