Gabriel Tirador | President and Chief Executive Officer |
George Joseph | Chairman |
Ted Stalick | Senior Vice President and Chief Financial Officer |
Robert Houlihan | Vice President and Chief Product Officer |
Chris Graves | Vice President and Chief Investment Officer |
Greg Peters | Raymond James |
Alison Jacobowitz | Bank of America |
Gary Ransom | Dowling & Partners |
Samir Khare | Capital Returns Management |
Jay Cohen | Bank of America/Merrill Lynch |
Good afternoon. My name is James and I will be your conference operator today. At this time, I would like to welcome everyone to the Mercury General Fourth Quarter Conference Call. All lines have been placed on mute to prevent any background noise. [Operator Instructions] This conference call may contain comments and forward-looking statements based on current plans, expectations, events, and financial and industry trends, which may affect Mercury General’s future operating results and financial position.