Oksana Lukasheva | VP, IR & Financial Planning |
John Roche | President and Chief Executive Officer |
Jeffrey Farber | Executive Vice President and Chief Financial Officer |
Bryan Salvatore | Executive Vice President and President of Specialty |
Richard Lavey | Executive Vice President and President, Hanover Agency Markets |
Matt Carletti | JMP Securities |
Paul Newsome | Piper Sandler |
Grace Carter | Bank of America |
James Bach | KBW |
Michael Phillips | Morgan Stanley |
Good day, and welcome to The Hanover Insurance Group Third Quarter Earnings Conference Call. My name is Keith, and I'll be your operator of 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.