Oksana Lukasheva | executive |
John "Jack" C. Roche | executive |
Jeffrey Farber | executive |
Michael Phillips | analyst |
Bryan Salvatore | executive |
Francis Matten | analyst |
Richard Lavey | executive |
Grace Carter | analyst |
Good day, and welcome to The Hanover Insurance Group's First Quarter Earnings Conference Call. My name is Chuck, 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.