Tara Shull | Investor Relations and Finance Director |
Michael LaRocco | Chairman, President and Chief Executive Officer |
Steve English | Senior Vice President and Chief Financial Officer |
Jason Berkey | Senior Vice President, Personal Lines |
Ben Blackmon | Vice President, Commercial Middle Market |
Paul Newsome | Sandler O'Neill |
Christopher Campbell | KBW |
Larry Greenberg | Janney |
Welcome and thank you for standing by. At this time, all parties are in a listen-only mode. After the speakers' remarks, there will be a question-and-answer session. [Operator Instructions]. Today's call is being recorded.