Oksana Lukasheva | VP, IR & Financial Planning |
John Roche | President, CEO & Director |
Jeffrey Farber | EVP & CFO |
Richard Lavey | EVP & President, Hanover Agency Markets |
Bryan Salvatore | EVP & President of Specialty |
Matthew Carletti | JMP Securities |
Paul Newsome | Piper Sandler & Co. |
Meyer Shields | KBW |
Robert Farnam | Boenning and Scattergood |
Grace Carter | Bank of America Merrill Lynch |
Good day, and welcome to the Hanover Insurance Group's Fourth Quarter Earnings Conference Call. My name is Chuck, and I'll be your operator for today. [Operator Instructions]. Please note this event is being recorded. I would now like to turn the conference over to Ms.