|Susan Spivak||Investor Relations|
|Christopher Swift||Chairman and CEO|
|Beth Costello||Chief Financial Officer|
|Elyse Greenspan||Wells Fargo|
|Paul Newsome||Sandler O'Neill|
|Ryan Tunis||Autonomous Research|
|Mike Zaremski||Credit Suisse|
|Amit Kumar||Buckingham Research|
|Gary Ransom||Dowling & Partners|
|Yaron Kinar||Goldman Sachs|
Good day, and welcome to the Hartford Financial Services Group Inc, Third Quarter Financial Results Conference Call and Webcast. All participants will be listen-only mode. [Operator Instructions] After today’s presentation there will be an opportunity to ask questions. [Operator Instructions] Please note, this event is being recorded.
I would now like to turn the conference call over to Susan Spivak of Investor Relations.