Dennis McDaniel | Investor Relations |
Steve Johnston | President and Chief Executive Officer |
Mike Sewell | Chief Financial Officer |
Marty Hollenback | Chief Investment Officer |
J.F. Scherer | Chief Insurance Officer, Cincinnati Insurance |
Marty Mullen | Chief Claims Officer |
Steve Spray | Senior Vice President of Commercial Lines |
Teresa Hopper | Senior Vice President of Corporate Financial |
Mike Zaremski | Credit Suisse |
Meyer Shields | KBW |
Mark Dwelle | RBC Capital Markets |
Ron Bobman | Capital Returns |
Josh Shanker | Deutsche Bank |
Good morning. My name is Michelle, and I will be your conference operator today. At this time, I would like to welcome everyone to the Third Quarter 2018 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks there will be a question-and-answer session [Operator Instructions].