Alicia Charity | Investor Relations |
Jim Cracchiolo | Chairman and Chief Executive Officer |
Walter Berman | Chief Financial Officer |
Andrew Kligerman | Credit Suisse |
Erik Bass | Autonomous Research |
Humphrey Lee | Dowling & Partners |
Tom Gallagher | Evercore ISI |
Alex Blostein | Goldman Sachs & Co. |
Suneet Kamath | Citigroup |
John Barnidge | Sandler O'Neill |
Kenneth Lee | RBC Capital Markets |
Welcome to the Fourth Quarter 2019 Earnings Call. My name is Sophie and I'll be your operator for today's call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. [Operator Instructions] Please note the conference is being recorded.