...Good morning, everyone. Greg Peters here with Raymond James. I'm an insurance analyst. And for as long as I've been here at Raymond James, one of the companies I've followed, Allstate, has been a willing participant and guinea pig in coming with -- coming to the conference for us, so we appreciate their continuing support and participation in our conference. So today we have the management team including Jess Merten, who is the CFO, and I'm going to turn it over to Jess to give us some opening comments. Jesse Merten ...