Abbe Goldstein | executive |
Alan Schnitzer | executive |
Daniel Frey | executive |
Greg Toczydlowski | executive |
Jeffrey Klenk | executive |
Michael Klein | executive |
David Motemaden | analyst |
Charles Peters | analyst |
Elyse Greenspan | analyst |
Brian Meredith | analyst |
Ryan Tunis | analyst |
Meyer Shields | analyst |
Michael Zaremski | analyst |
Michael Phillips | analyst |
Michael Ward | analyst |
Robert Cox | analyst |
Jon Paul Newsome | analyst |
Good morning, ladies and gentlemen. Welcome to the first quarter results teleconference for Travelers. We ask that you hold all questions until the completion of formal remarks, at which time you will be given instructions for the question-and-answer session. [Operator Instructions]
At this time, I would like to turn the conference over to Ms.