Oksana Lukasheva | Vice President, Investor Relations |
Jack Roche | President and Chief Executive Officer |
Jeff Farber | Chief Financial Officer |
Rick Lavey | President, Hanover Agency Markets |
Christopher Campbell | KBW |
Paul Newsome | Sandler O'Neill |
Matthew Carletti | JMP Securities |
Good day, and welcome to The Hanover Insurance Group's Third Quarter Earnings Conference Call. My name is Nicole, and I'll be your operator for today's call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Oksana Lukasheva. Please go ahead.