Good day, and thank you for standing by. Welcome to the Employers Holdings, Inc. earnings conference call. At this time, all participants are in listen only mode. After the speaker's presentation, there will be a Q&A session. To ask a question during the session, you will need to press star one one on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press star one one again. Please be advised today's conference is being recorded. I would ...