Suzanne Shepherd | VP, IR |
Alan Colberg | President & CEO |
Richard Dziadzio | CFO & Treasurer |
Kai Pan | Morgan Stanley |
John Nadel | UBS |
Jimmy Bhullar | J.P. Morgan |
Mark Hughes | SunTrust |
Christopher Campbell | KBW |
Welcome to Assurant's Third Quarter 2018 Earnings Conference Call and Webcast. At this time, all participants have been placed in a listen-only mode and the floor will be opened for your questions following management's prepared remarks. [Operator Instructions]. It is now my pleasure to turn the floor over to Suzanne Shepherd, Vice President of Investor Relations.
You may begin.