Anna Manning | President and CEO |
Todd Larson | SVP & CFO |
Jimmy Bhullar | JPMorgan |
Humphrey Lee | Dowling & Partners |
Erik Bass | Autonomous Research |
Kenneth Lee | RBC Capital Markets |
Ryan Krueger | KBW |
Andrew Kligerman | Credit Suisse |
John Nadel | UBS |
Dan Bergman | Citi |
Tom Gallagher | Evercore |
Alex Scott | Goldman Sachs |
Good day. Welcome to the Reinsurance Group of America Fourth Quarter 2018 Results Conference Call. Today's conference is being recorded. At this time, I would like to introduce Mr. Todd Larson, Senior Executive Vice President and Chief Financial Officer; and Ms.