Keith McCue | Senior Vice President, Investor Relations |
Kevin O'Donnell | President & Chief Executive Officer |
Bob Qutub | Executive Vice President & Chief Financial Officer |
Elyse Greenspan | Wells Fargo |
Michael Phillips | Morgan Stanley |
Meyer Shields | KBW |
Yaron Kinar | Goldman Sachs |
Brian Meredith | UBS |
Josh Shanker | Bank of America |
Ryan Tunis | Autonomous Research |
Phil Stefano | Deutsche Bank |
Thank you for standing by. And welcome to RenaissanceRe's Q4 and Year-End Earnings Call. I'd now like to hand the conference over to Keith McCue, Senior Vice President, Investor Relations. Mr. McCue, please go ahead.