Dennis McDaniel | Vice President, Investor Relations Officer |
Steve Johnston | President & Chief Executive Officer |
Mike Sewell | Chief Financial Officer |
J.F. Scherer | Cincinnati Insurance's Executive Vice President |
Steve Spray | Chief Insurance Officer |
Amit Kumar | Buckingham Research |
Mike Zaremski | Credit Suisse |
Paul Newsome | Sandler O'Neill |
Josh Shanker | Deutsche Bank |
Meyer Shields | KBW |
Scott Heleniak | RBC Capital Markets |
Good morning. My name is Catherine, and I will be your conference operator today. At this time, I would like to welcome everyone to the Fourth Quarter and Full Year 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].