Rich Swartz | Controller |
Barry Goldstein | Chairman and CEO |
Ben Walden | Executive Vice President and Chief Actuary |
Paul Newsome | Sandler O’Neill |
Bob Farnam | Boenning & Scattergood |
Scott Preston | Maven Fund |
Greetings. And welcome to Kingstone Companies 2019 Third Quarter Earnings Call. At this time, all participants are in listen-only mode. A brief question-and-answer session will follow the formal presentation. [Operator Instructions]