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Good morning to all of you. Thank you for coming. It’s a pleasure to welcome you to the Annual Meeting of the Hanover Insurance Group. My name is Mike Angelini, I am very pleased to be the Chair of our Board of Directors, and I look forward to conducting the formal part of this meeting. The meeting is really in two parts. There is some business that we need to conduct and we will conduct, and following the transaction of that business I will introduce Fred Eppinger, who is known to some of you. And Fred will talk to us about the state of the company and our excitement about the prospects of the company.
We are transmitting the audio portion of this meeting and Fred’s slides that are going to be presented are also being transmitted through our website. So for those of you who are joining us not in person, I also welcome you. And at this time I call the meeting to order. All of the Directors of the company including me and Fred are here today and I would like to read their names and following that ask them all at once to stand and be recognized.