Powell Brown | President and Chief Executive Officer |
Andrew Watts | Executive Vice President, Chief Financial Officer |
Elyse Greenspan | Wells Fargo |
Kai Pan | Morgan Stanley |
Greg Peters | Raymond James |
Yaron Kinar | Goldman Sachs |
Mike Zaremski | Credit Suisse |
Mark Hughes | SunTrust |
Josh Shanker | Deutsche Bank |
Meyer Shields | KBW |
Robert Glasspiegel | Janney |
Adam Klauber | William Blair |
Good morning, and welcome to the Brown & Brown Inc Fourth Quarter Earnings Call. Today's call is being recorded. Please note that certain information discussed during this call including information contained in this slide presentation, posted in connection with this call and including answers given in response to your questions may relate to future results and events or otherwise be forward-looking in nature. Such statements reflect our current views with respect to future events, including those relating to the company's anticipated financial results for the fourth quarter and are intended to fall within the Safe Harbor provisions of the securities laws, actual results or events in the future are subject to a number of risks and uncertainties, and may differ materially from those currently anticipated or desired or referenced in any forward-looking statements made as a result of a number of factors. Such factors include the company's determination as it finalizes its financial results for the fourth quarter, that its financial results differ from the current preliminary unaudited numbers set forth in the press release issued yesterday, other factors that the company may not have currently identified or quantified, and those release issues yesterday other factors that the company may not have currently identified or quantified in those risks and uncertainties identified from time-to-time in the company's reports filed with the Securities and Exchange Commission.