Oksana Lukasheva | VP, IR & Financial Planning |
John Roche | President, CEO & Director |
Jeffrey Farber | EVP & CFO |
Richard Lavey | EVP & President, Hanover Agency Markets |
Bryan Salvatore | EVP & President, Specialty |
Matthew Carletti | JMP Securities |
Amit Kumar | Buckingham Research |
Frederique Sleiffer | KBW |
Jon Newsome | Piper Sandler & Co. |
Good day, and welcome to The Hanover Insurance Group's Fourth Quarter 2019 Earnings Conference Call. My name is Gary, and I'll be your operator for today's call. [Operator Instructions]. Please note, this event is being recorded.
I would now like to turn the conference over to Oksana Lukasheva.