Abbe Goldstein | SVP, IR |
Alan Schnitzer | Chairman & CEO |
Daniel Frey | EVP & CFO |
Gregory Toczydlowski | EVP & President, Business Insurance |
Thomas Kunkel | EVP & President, Bond & Specialty Insurance |
Michael Klein | EVP & President, Personal Insurance |
Michael Phillips | Morgan Stanley |
Michael Zaremski | Crédit Suisse |
Ronald Bobman | Capital Returns Management |
Ryan Tunis | Autonomous Research |
Brian Meredith | UBS Investment Bank |
Elyse Greenspan | Wells Fargo Securities |
Jamminder Bhullar | JPMorgan Chase & Co. |
Good morning, ladies and gentlemen. Welcome to the first quarter results teleconference for Travelers. [Operator Instructions].
As a reminder, this conference is being recorded on April 21, 2020. At this time, I would like to turn the conference over to Ms.