Please note that these forward-looking statements reflect our opinions only as of the date of this presentation and we undertake no obligation to revise or publicly update the results of any update to these forward-looking statements in light of new information or future events.
Please refer to our SEC filings; including our Annual Report on Form 10-K for the year ended December 31, 2009 as well as our earnings press release for a more detailed discussion of the risk factors that may affect our results. Copies may also be obtained from the SEC or by visiting the Investor Relations section of our website.
Also, please note that certain financial measures we use on the call are expressed on a non-GAAP basis. Our GAAP results and GAAP to non-GAAP reconciliation can be found in our earnings press release.
I will now turn the call over to JoeJoe Plumeri Thank you, Kelly, and hi, everybody, and welcome, and thank you for joining our call today. On the call with me today are Grahame Millwater, our Group President; Don Bailey, CEO of North America; Michael Neborak, our CFO; and as usual other members, all of the members of our executive team and management team are also here, and will be happy to answer all of your questions. Let me talk about the conditions that impact the third quarter 2010 and a little bit about the remainder of 2010. I am very happy with what we’ve delivered this quarter and in the year-to-date. We have reported exceptional organic growth in the face of a really tough external environment that is little changed from the last time we spoke. In the US economic and unemployment remain anemic, a number of European economies also remained pressured. There are some bright spots, particularly among the emerging economies. And in addition, as I indicated the last quarter, the general rate environment remains soft and in the absence of a major loss activity, we see little term, little near-term sign of change.