John Griek | Head of Investor Relations |
Tom Wilson | Chairman, President and Chief Executive Officer |
Mario Rizzo | Chief Financial officer |
Glenn Shapiro | President of Allstate Personal Lines |
Steve Shebik | Vice Chair |
Don Civgin | President of Service Businesses |
Elyse Greenspan | Wells Fargo |
Gary Ransom | Dowling & Partners |
Greg Peters | Raymond James |
Mike Zaremski | Credit Suisse |
Amit Kumar | The Buckingham Research Group, Inc. |
Kai Pan | Morgan Stanley & Co. LLC |
Yaron Kinar | Goldman Sachs & Co |
Ryan Tunis | Autonomous Research |
Good day, ladies and gentlemen. And welcome to Allstate's Fourth Quarter 2018 Earnings Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will be given at that time. [Operator Instructions] As a reminder, today's program is being recorded.