Susan Spivak Bernstein | SVP, IR |
Chris Swift | Chairman and CEO |
Doug Elliot | President |
Beth Costello | CFO |
Michael Phillips | Morgan Stanley |
Elyse Greenspan | Wells Fargo |
Josh Shanker | Bank of America |
Brian Meredith | UBS |
Meyer Shields | KBW |
Yaron Kinar | Goldman Sachs |
Jimmy Bhullar | JPMorgan |
David Motemaden | Evercore ISI |
Good morning, and welcome to The Hartford Third Quarter 2020 Financial Results Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. Please note today's event is being recorded. I would now like to turn the conference over to Susan Spivak Bernstein, Senior Vice President, Investor Relations.