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 |
Michael Phillips | Morgan Stanley |
Larry Greenberg | Janney Montgomery |
Jimmy Bhullar | JP Morgan |
Mike Zaremski | Credit Suisse |
Meyer Shields | KBW |
Brian Meredith | UBS |
Ryan Tunis | Autonomous Research |
Paul Newsome | Sandler O'Neill |
Amit Kumar | Buckingham Research |
David Motemaden | Evercore ISI |
Good morning, ladies and gentlemen. Welcome to the Fourth 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 Q&A session.
As a reminder, this conference is being recorded on January 23, 2020.
At this time, I'd like to turn the conference over to Ms.