Abbe Goldstein | Senior Vice President, Investor Relations |
Alan Schnitzer | Chairman and Chief Executive Officer |
Dan Frey | Chief Financial Officer |
Greg Toczydlowski | Executive Vice President and President, Business Insurance |
Tom Kunkel | Executive Vice President and President, Bond & Specialty Insurance |
Michael Klein | Executive Vice President and President, Personal Insurance |
Michael Phillips | Morgan Stanley |
Ryan Tunis | Autonomous |
Tracy Dolin-Benguigui | Barclays Research |
Elyse Greenspan | Wells Fargo |
Jimmy Bhullar | JPMorgan |
Mike Zaremski | Credit Suisse |
David Motemaden | Evercore |
Brian Meredith | UBS |
Josh Shanker | Bank of America |
Meyer Shields | KBW |
Paul Newsome | Piper Sandler |
Phil Stefano | Deutsche Bank |
Good morning and thank you for holding. Welcome to the Fourth Quarter Results Teleconference for Travelers. [Operator Instructions] As a reminder, this conference is being recorded on January 21, 2021. At this time, I would now like to turn the conference over to Ms. Abbe Goldstein, Senior Vice President of Investor Relations.