Abbe Goldstein | SVP of Investor Relations |
Alan Schnitzer | Chairman and CEO |
Dan Frey | Chief Financial Officer |
Greg Toczydlowski | Business Insurance |
Tom Kunkel | Bond & Specialty Insurance |
Michael Klein | Personal Insurance |
Jay Gelb | Barclays |
Elyse Greenspan | Wells Fargo |
Mike Zaremski | Credit Suisse |
Larry Greenberg | Janney Montgomery Scott |
Paul Newsome | Sandler O'Neill |
David Motemaden | Evercore ISI |
Josh Shanker | Deutsche Bank |
Brian Meredith | UBS |
Michael Phillips | Morgan Stanley |
Ryan Tunis | Autonomous Research |
Sean Reitenbach | KBW |
Good morning, ladies and gentlemen. Welcome to the third quarter results teleconference for Travelers. We ask that you hold all questions until the completion of formal remarks, at which time you'll be given instructions for the question-and-answer session.
As a reminder, this conference is being recorded on October 22, 2019.
At this time, I'd like to turn the conference over to Ms.