Frank O'Neil | SVP, Corporate Communication & IR |
William Starnes | Chairman and Chief Executive Officer |
Edward Rand | Executive Vice President and Chief Financial Officer |
Howard Friedman | President of Healthcare Professional Liability Group |
Michael Boguski | President of Eastern Insurance |
Gregory Peters | Raymond James & Associates, Inc. |
Mark Hughes | SunTrust Robinson Humphrey, Inc., |
Arash Soleimani | Keefe, Bruyette & Woods, Inc. |
Amit Kumar | The Buckingham Research Group, Inc. |
Good morning, everyone. Welcome to the Conference Call to discuss ProAssurance’s Results for the Third Quarter of 2017. These results were reported in a new release issued on November 6, 2017 and in the Company’s Quarterly Report on Form 10-Q, which was also filed on November 6. These documents are intended to provide you with important information about the significant risks, uncertainties and other factors that are out of the Company's control and could affect ProAssurance's business and alter expected results. Further, we caution you that management expects to make statements on this call dealing with projections, estimates and expectations, and explicitly identify these as forward-looking statements within the meaning of the U.S.