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 Analysts Amit Kumar - Macquarie Research Robert Glasspiegel - Langen McAlenney Unknown Analyst Ron Bobman - Capital Returns Management PresentationOperator Good day, everyone, and welcome to the CNA Financial Corporation's Fourth Quarter and Full 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, Dana. Good morning, and welcome to CNA's discussion of our 2011 fourth quarter and full year financial results. With us 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 and annual results, we will open it up for your 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, February 6, 2012. CNA expressly disclaims any obligation to update or revise any forward-looking statements made during this call.