Thomas F. Motamed - Chairman, Chief Executive Officer, Member of Awards Committee, Member of Proxy Committee, Member of Executive Committee and Member of Finance Committee D. Craig Mense - Chief Financial Officer, Principal Accounting Officer and Executive Vice President Nancy M. Bufalino - Assistant Treasurer Analysts Ron Bobman - Capital Returns Management Robert Glasspiegel - Langen McAlenney Amit Kumar - Macquarie Research Jay A. Cohen - BofA Merrill Lynch, Research Division PresentationOperator Good day, and welcome to the CNA Financial Corporation's Third Quarter 2011 Earnings Conference Call. Today's call is being recorded. At this time, I'd like to turn the conference over to Nancy Bufalino. Please go ahead. Nancy M. Bufalino Thank you, Katie. Good morning, and welcome to CNA's third quarter 2011 earnings call. Hopefully, you've had an opportunity to review our press release, which was released early this morning along with our financial supplement. Both can be found on the CNA website at www.cna.com. On the call this morning are Tom Motamed, our Chairman and Chief Executive Officer; and Craig Mense, our Chief Financial Officer. Following Tom and Craig's remarks about the quarter results, we will open it up for questions. Before turning it over to Tom, I would like to advise everyone that during this call, there may be forward-looking statements made and references to non-GAAP financial measures. Any forward-looking statements involve risks and uncertainties that may cause actual results to differ materially from the statements made during this call. Information concerning those risks is contained in the earnings release and in CNA's most recent 10-K and 10-Q on file with the SEC. In addition, the forward-looking statements speak only as of today, Monday, October 31, 2011, and CNA expressly disclaims any obligation to update or revise any forward-looking statements made during this call. Regarding non-GAAP measures, reconciliations to the most comparable GAAP measures have also been provided in our most recent 10-K and 10-Q, as well as the financial supplement. This call is being recorded and webcast. During the next week, the call may be accessed again on CNA's website.