Operator: Good morning. My name is Camacho and I'll be your conference operator today. At this time, I would like to welcome everyone to the Hartford's Third Quarter 2010 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session. (Operator Instructions).
I'd now like to turn the conference over to your host Mr. Rick Costello. Sir, you may begin.
Richard Costello - VP, IR: Thank you, Camacho. Good morning and thank you for joining us for the Hartford's third quarter 2010 financial results conference call. The earnings release and financial supplement were issued yesterday. Our slide presentation for today's call is available on the Company's website at www.thehartford.com.
Chief Executive Officer, Liam McGee and Chief Financial Officer, Chris Swift will provide prepared remarks this morning, and we will finish with Q&A. Also participating on today's call are Dave Levenson, President of Wealth Management; Andy Napoli, President of Consumer Markets, Andy Pinkes, Acting Head of Commercial Markets, Greg McGreevey, Chief Investment Officer, and Alan Kreczko, General Counsel.
Turning to the presentation on Slide 2, please note that we will make certain statements during the call that should be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. These include statements about The Hartford's future results of operations. We caution investors that these forward-looking statements are not guarantees of future performance and actual results may differ materially.
Investor should consider the important risks and uncertainties that may cause actual results to differ, including those discussed in our press release issued yesterday, our 2010 quarterly reports on Form 10-Q, our 2009 Annual Report on Form 10-K and other filings we make with the Securities and Exchange Commission. We assume no obligation to update this presentation, which speaks as of today's date.
Today's discussion of The Hartford's financial performance includes financial measures that are not derived from generally accepted accounting principles, or GAAP. Information regarding these non-GAAP and other financial measures, including reconciliations to the most directly comparable GAAP measures, is provided in the Investor Financial Supplement for the third quarter of 2010 and in the press release we issued yesterday as well as on the Company's website, all of which can be found at www.thehartford.com.
Now, I will hand the call over to The Hartford's Chairman, President and CEO, Liam McGee.
Liam E. McGee - Chairman, President and CEO: Thank you, Rick. Good morning, everyone, and thank you for joining us today. Before we begin, I want to take a moment to remember JR Reilly of the Hartford's Investor Relations team. As you probably heard, JR passed away unexpectedly a few weeks ago. I know many of you interacted with him on a regular basis. He was a valued and respected member of our team and a friend, and his untimely passing was truly tragic. We miss him and his family remains in our thoughts and prayers.