The Chubb (CB) Q3 2011 Earnings Call October 20, 2011 5:00 pm ET Executives Richard G. Spiro - Chief Financial Officer and Executive Vice President Dino E. Robusto - Executive Vice President and President of Personal Lines & Claims John D. Finnegan - Chairman, Chief Executive Officer, President, Chairman of Executive Committee and Chairman of Finance Committee Paul J. Krump - Executive Vice President and President of Commercial and Specialty Lines Analysts Matthew G. Heimermann - JP Morgan Chase & Co, Research Division Michael Nannizzi - Goldman Sachs Group Inc., Research Division Jay Gelb - Barclays Capital, Research Division J. Paul Newsome - Sandler O'Neill + Partners, L.P., Research Division Michael Grasher - Piper Jaffray Companies, Research Division Jeffrey Cho Mark A. Dwelle - RBC Capital Markets, LLC, Research Division Joshua D. Shanker - Deutsche Bank AG, Research Division Gregory Locraft - Morgan Stanley, Research Division Ian Gutterman - Adage Capital Brian Meredith - UBS Investment Bank, Research Division Vinay Misquith - Evercore Partners Inc., Research Division Michael Zaremski - Crédit Suisse AG, Research Division Jay A. Cohen - BofA Merrill Lynch, Research Division PresentationOperator Good day, everyone, welcome to The Chubb Corporation's Third Quarter 2011 Earnings Conference Call. Today's call is being recorded.
Before we begin, Chubb has asked me to make the following statements. In order to help you understand Chubb, its industry and its results, members of Chubb's management team will include in today's presentation forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. It is possible that actual results might differ from estimates and forecasts that Chubb's management team might make today. Additional information regarding factors that could cause such differences appear in Chubb's filings with the Securities and Exchange Commission. In the prepared remarks and responses to questions during today's presentation of Chubb's third quarter 2011 financial results, Chubb's management may refer to financial measures that are not derived from generally accepted accounting principles or GAAP. Reconciliations of these non-GAAP financial measures to the most directly comparable financial measures calculated and presented in accordance with GAAP and related information is provided in the press release and the financial supplement for the third quarter 2011, which are available on the Investors section of Chubb's website at www.chubb.com.