Susan Spivak | IR |
Chris Swift | CEO |
Beth Costello | CFO |
Doug Elliot | President |
Alex Scott | Goldman Sachs |
Elyse Greenspan | Wells Fargo |
David Motemaden | Evercore ISI |
Brian Meredith | UBS |
Greg Peters | Raymond James |
Andrew Kligerman | Credit Suisse |
Michael Phillips | Morgan Stanley |
Josh Shanker | Bank of America |
Yaron Kinar | Jefferies |
Michael Ward | Citi |
Jimmy Bhullar | JPMorgan |
Good morning, ladies and gentlemen. Thank you for attending today's The Hartford Third Quarter Earnings Call. My name is Alex, and I'll be your moderator for today's call. [Operator Instructions] I would now like to pass the conference over to your host, Susan Spivak, with The Hartford Group. Susan, please go ahead.