Oksana Lukasheva | Vice President, Investor Relations and Financial Planning and Analysis |
Jack Roche | President and Chief Executive Officer |
Jeff Farber | Chief Financial Officer |
Dick Lavey | President of Agency Markets |
Bryan Salvatore | President of Specialty Lines |
Matt Carletti | JMP Securities |
Mike Zaremski | Credit Suisse |
Paul Newsome | Piper Sandler |
Meyer Shields | KBW |
Good day and welcome to The Hanover Insurance Group's Fourth Quarter Earnings Conference Call. My name is Sarah and I'll be your operator for today's call. At this time, all participants are in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded.