Natalie Schoolcraft | Director, IR |
Mike LaRocco | Chairman, President & CEO |
Steven English | SVP & CFO |
Kim Garland | SVP, Personal & Commercial Lines and MD of State Auto Labs |
Jon Newsome | Piper Sandler & Co. |
Meyer Shields | KBW |
Ronald Bobman | Capital Returns Management |
Welcome and thank you for standing by. At this time all parties are in a listen-only mode. After the speakers' remarks, there will be a question and answer session. [Operator Instructions]. Today's call is being recorded, if you have any objections, please disconnect at this time.