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 Jay A. Cohen - BofA Merrill Lynch, Research Division Ron Bobman - Capital Returns Management PresentationOperator Good day, ladies and gentlemen, and welcome to the CNA Financial Corporation's Second Quarter 2012 Earnings Call. Today's call is being recorded. At this time, I'd like to turn the conference over to Ms. Marie Hotza of Investor Relations. Please go ahead, ma'am. Marie Hotza Thank you, Lea. Good morning and welcome to CNA's discussion of our second quarter 2012 financial results. With us on this morning's call are Tom Motamed, our Chairman and Chief Executive Officer; and Craig Mense, our Chief Financial Officer. Following Tom's and Craig's remarks about the quarterly 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, July 30, 2012. CNA expressly disclaims any obligation to update or revise any forward-looking statements made during this call.