The Chubb (CB) Q1 2012 Earnings Call April 19, 2012 5:00 pm ET Executives 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 & Specialty Lines Dino E. Robusto - Executive Vice President and President of Personal Lines & Claims Richard G. Spiro - Chief Financial Officer and Executive Vice President Analysts Michael Zaremski - Crédit Suisse AG, Research Division Keith F. Walsh - Citigroup Inc, Research Division Amit Kumar - Macquarie Research Gregory Locraft - Morgan Stanley, Research Division Jay Gelb - Barclays Capital, Research Division Vinay Misquith - Evercore Partners Inc., Research Division Michael Nannizzi - Goldman Sachs Group Inc., Research Division Adam Klauber - William Blair & Company L.L.C., Research Division Matthew G. Heimermann - JP Morgan Chase & Co, Research Division Meyer Shields - Stifel, Nicolaus & Co., Inc., Research Division Josh Stirling - Sanford C. Bernstein & Co., LLC., Research Division Jay A. Cohen - BofA Merrill Lynch, Research Division Ian Gutterman - Adage Capital Management, L.P. Joshua D. Shanker - Deutsche Bank AG, Research Division PresentationOperator Good day, everyone, and welcome to the Chubb Corporation's First Quarter 2012 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 can cause such differences appears 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 first quarter 2012 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 first quarter 2012, which are available on the Investors section of Chubb's website at www.chubb.com.