Gabriel Tirador | President and CEO |
George Joseph | Chairman |
Ted Stalick | SVP and CFO |
Robert Houlihan | VP and Chief Product Officer |
Chris Graves | VP and Chief Investment Officer |
Greg Peters | Raymond James |
Christopher Campbell | KBW |
Good morning. My name is Samaria [ph], and I will be your conference operator for today. At this time, I would like to welcome everyone to the Mercury General Third Quarter 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.