Mark Nogal | Head of Investor Relations |
Tom Wilson | Chairman, President and Chief Executive Officer |
Mario Rizzo | President, Property-Liability |
Jess Merten | Executive Vice President and Chief Financial Officer |
Paul Newsome | Piper Sandler |
C. Gregory Peters | Raymond James |
Elyse Greenspan | Wells Fargo |
Andrew Kligerman | Credit Suisse |
Josh Shanker | Bank of America |
Good day and thank you for standing by. Welcome to Allstate’s Fourth Quarter Investor Call. At this time, all participants are in a listen-only mode. After the prepared remarks, there will be a question-and-answer session. [Operator instructions] As a reminder, please be aware that this call is being recorded.