Dennis McDaniel | Investor Relations Officer |
Steve Johnston | President and Chief Executive Officer |
Mike Sewell | Chief Financial Officer |
Steve Spray | Chief Insurance Officer-Cincinnati Insurance |
Marc Schambow | Chief Claims Officer |
Theresa Hoffer | Senior Vice President of Corporate Finance |
Marty Hollenbeck | Chief Investment Officer |
Phil Stefano | Deutsche Bank |
Mike Zaremski | Credit Suisse |
Meyer Shields | KBW |
Scott Heleniak | RBC Capital Markets |
Ladies and gentlemen, thank you for standing by, and welcome to the Cincinnati Financial Corporation's Fourth Quarter and Full Year 2020 Earnings Conference Call. At this time, all participants have been placed in a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded. [Operator Instructions] I would now like to hand the conference over to Dennis McDaniel, Investor Relations Officer.