Oksana Lukasheva | Vice President, Investor Relations |
John Roche | President and Chief Executive Officer |
Jeffrey Farber | Chief Financial Officer |
Rick Lavey | President, Hanover Agency Markets |
Bryan Salvatore | President, Specialty Lines |
Paul Newsome | Sandler O’Neill Partners |
Larry Greenberg | Janney Montgomery Scott |
Christopher Campbell | Keefe Bruyette & Woods Inc. |
Good morning, ladies and gentlemen, and welcome to the Hanover Insurance Group second quarter earnings conference call. My name is Denise and I will be your operator for today's call. At this time, all participants are in listen-only mode. [Operator Instructions]. Please note, this event is being recorded.