The Travelers Companies (TRV) Q3 2011 Earnings Call October 19, 2011 9:00 am ET Executives Greg Toczydlowski - President of Personal Insurance Jay S. Fishman - Chairman, Chief Executive Officer and Chairman of Executive Committee Alan D. Schnitzer - Vice Chairman, Chief Legal Officer and Executive Vice President of Financial, Professional & International Insurance Jay S. Benet - Vice Chairman and Chief Financial Officer Gabriella Nawi - Senior Vice President of Investor Relations and Member of Operating Committee Unknown Executive - William E. Cunningham - Executive Vice President of Business Insurance William H. Heyman - Vice Chairman and Chief Investment Officer Brian W. MacLean - President and Chief Operating Officer Analysts Matthew G. Heimermann - JP Morgan Chase & Co, Research Division Jay Gelb - Barclays Capital, Research Division Michael Nannizzi - Goldman Sachs Group Inc., Research Division Randy Binner - FBR Capital Markets & Co., Research Division Cliff Gallant - Keefe, Bruyette, & Woods, Inc., Research Division Larry Greenberg - Langen McAlenney Joshua D. Shanker - Deutsche Bank AG, Research Division Gregory Locraft - Morgan Stanley, Research Division Brian Meredith - UBS Investment Bank, Research Division Jay A. Cohen - BofA Merrill Lynch, Research Division Keith F. Walsh - Citigroup Inc, Research Division PresentationOperator
Good morning, ladies and gentlemen, and welcome to the Third Quarter Results Teleconference for Travelers. [Operator Instructions] As a reminder, this conference is being recorded on Wednesday, October 19, 2011. At this time, I would like to turn the call over to Ms. Gabriella Nawi, Senior Vice President of Investor Relations. Ms. Nawi, you may begin. Gabriella Nawi Thank you, Judy. Good morning, and welcome to Travelers' discussion of our third quarter results. Hopefully, all of you have seen our press release, financial supplement and webcast presentation released earlier this morning. All of these materials can be found on our website at www.travelers.com, under the Investor section.