Abbe Goldstein | Senior Vice President of Investor Relations |
Alan Schnitzer | Chairman and CEO |
Dan Frey | Chief Financial Officer |
Greg Toczydlowski | President of Business Insurance |
Jeff Klenk | Bond and Specialty Insurance |
Michael Klein | Personal Insurance |
Michael Phillips | Morgan Stanley |
Ryan Tunis | Autonomous Research |
Greg Peters | Raymond James |
Elyse Greenspan | Wells Fargo |
Yaron Kinar | Jefferies |
Tracy Benguigui | Barclays |
Meyer Shields | KBW |
Josh Shanker | Bank of America |
Alex Scott | Goldman Sachs |
David Motemaden | Evercore ISI |
Brian Meredith | UBS |
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 19, 2022. At this time, I would like to turn the conference over to Ms. Abbe Goldstein, Senior Vice President of Investor Relations.