Mercury General Corporation ( MCY) Q3 2011 Earnings Call October 31, 2011 01:00 pm ET Executives Gabriel Tirador - President, CEO & Director Chris Graves - VP & CIO Ted Stalick - VP, CFO Robert Houlihan - VP & CPO Analysts Meyer Shields - Stifel Nicolaus Dean Evans - KBW Alison Jacobowitz - Bank of America PresentationOperator
Good afternoon. My name is Regina and I will be your conference operator today. At this time, I would like to welcome everyone to Mercury General’s third quarter results conference call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks there will be a question-and-answer session. (Operator Instructions). This conference call may contain comments and forward-looking statements based on current plans, expectations, events and financial and industry trends which may affect Mercury General’s future operating results and financial position. Such statements involve risks and uncertainties which cannot be predicted or quantified and which may cause future activities and results of operations to differ materially from those discussed here today. Thank you. I would now like to turn the conference over to Mr. Gabriel Tirador. Sir, you may begin. Gabriel Tirador Thank you very much. I would like to welcome everyone to Mercury's third quarter conference call. I am Gabe Tirador, President and CEO. In the room with me is Mr. George Joseph, Chairman; Ted Stalick, Vice President and CFO; Chris Graves, Vice President and Chief Investment Officer; John Sutton, Senior Vice President, Customer Service and Robert Houlihan, Vice President and Chief Product Officer.