...Good morning, everyone. Thanks for joining. Got a great presentation upcoming (technical difficulty) most of you have heard the name. First time just talking to that Tom Wilson, CEO, I think it's first time that they've been to the conference, so really, really happy that they've joined us and Tom's going to be here and talk a bit about the company. Tom, for those of you, if you don't mind, I should introduce myself that Adam Klauber, with William Blair. Run our insurance group. But I'm really excited to have Allstate. And as the company that we've known and have felt for a while, and Allstate has always been one of the top competitors in the US auto insurance, home insurance businesses. The company in the last number of years, nothing ever moves that quicken insurance, and the last number of years has really been doing what I'll call transformative type moves. And I think the all state of today and what I'll call tomorrow over the next couple of years, I think is going to be much different...