Oksana Lukasheva | executive |
John "Jack" C. Roche | executive |
Jeffrey Farber | executive |
Michael Phillips | analyst |
Sean Reitenbach | analyst |
Bryan Salvatore | executive |
Michael Zaremski | analyst |
Grace Carter | analyst |
Jon Paul Newsome | analyst |
Richard Lavey | executive |
Good day, and welcome to the Hanover Insurance Group's Fourth Quarter Earnings Conference Call. My name is Dave, 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.
Thank you, operator.