Joe Zubretsky | President and CEO |
Jack Roche | President, Hanover Agency Markets |
Jeffrey Farber | CFO |
John Fowle | CEO, Chaucer |
Oksana Lukasheva | VP, IR |
Paul Newsome | Sandler O'Neill |
Meyer Shields | KBW |
Matt Carletti | JMP Securities |
Welcome to the Hanover Insurance Group Third Quarter Earnings Conference Call. My name is Richard, and I will be your operator for today's call. [Operator Instructions]. Please note that this conference is being recorded. I will now turn the call over to Oksana Lukasheva.