Brent Vandermause | executive |
Thomas Wilson | executive |
Mario Rizzo | executive |
Jesse Merten | executive |
Jamminder Bhullar | analyst |
Charles Peters | analyst |
Yaron Kinar | analyst |
Elyse Greenspan | analyst |
Jian Huang | analyst |
Joshua Shanker | analyst |
Andrew Kligerman | analyst |
Good day, and thank you for standing by. Welcome to Allstate's Fourth Quarter Earnings Conference Call. [Operator Instructions] As a reminder, please be aware this call is being recorded. And now I'd like to introduce your host for today's program, Brent Vandermause, Head of Investor Relations. Please go ahead, sir.