Keith McCue | Senior Vice President for Finance and Investor Relations |
Kevin O'Donnell | President & CEO |
Bob Qutub | EVP & CFO |
Josh Shanker | Deutsche Bank |
Elyse Greenspan | Wells Fargo |
Amit Kumar | Buckingham Research |
Yaron Kinar | Goldman Sachs |
Ryan Tunis | Autonomous Research |
Kai Pan | Morgan Stanley |
Good morning. My name is Emily, and I will be your conference operator today. At this time, I would like to welcome everyone to the RenaissanceRe Fourth Quarter 2018 Financial Results. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session.