Dean Evans | VP of IR |
Sean Downes | Chairman and CEO |
Jon Springer | President and Chief Risk Officer |
Frank Wilcox | CFO |
Anthony To | KBW |
Samir Khare | Capital Returns |
Good day, ladies and gentlemen and thank you for standing by. Welcome to Universal Insurance Holdings Inc. UVE Third Quarter 2017 Earnings Conference Call. At this time, all participants are in a listen-only-mode to prevent background noise. [Operator Instructions] We will have a question-and-answer session and as a reminder, this conference is being recorded.