Dennis McDaniel | Investor Relations Officer |
Steve Johnston | President and Chief Executive Officer |
Mike Sewell | Chief Financial Officer |
J.F. Scherer | Chief Insurance Officer |
Anthony To | KBW |
Josh Shanker | Deutsche Bank |
Scott Heleniak | RBC Capital Markets |
Good morning. My name is Jamie, and I will be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter 2017 Earnings Conference Call. [Operator Instructions] Thank you. Dennis McDaniel, Investor Relations Officer, you may begin your conference.