Operator: Good morning. My name is Felicia, and I'll be your conference operator today. At this time, I would like to welcome everyone to the Third Quarter 2012 Earnings 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.
Thank you. I would now like to turn the conference over to Ms. Purtill. Ma'am, you may begin.
Sabra Purtill - IR: Thank you. Good morning, and welcome to The Hartford's third quarter 2012 conference call.
Our speakers today are Liam McGee, The Hartford's Chairman, President, and CEO and Chris Swift, our CFO. Other members of our executive management team present today include Beth Bombara, Doug Elliot, Brion Johnson, Alan Kreczko, Andy Napoli, and Bob Rupp.
As detailed on Page 2 of the presentation, statements concerning The Hartford's future results or actions should be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. These forward-looking statements are not guarantees of future performance. Actual results may be materially different. We do not assume any obligation to update the forward-looking statements.
You should consider the important risks and uncertainties that may cause The Hartford's actual results to differ, including those discussed in our press release, our third quarter 10-Q, 2011 10-K, and other filings we make with the SEC. Please note that our presentation includes financial measures that are not derived from Generally Accepted Accounting Principles or GAAP. Definitions and reconciliations of these measures to the most directly comparable GAAP measures are provided in our financial supplement, press release, and 10-Q.
I'll now turn the call over to Liam.
Liam E. McGee - Chairman, President and CEO: Thank you Sabra. Good morning, everyone, and thank you for joining us today. Before I begin, on behalf of all of us at The Hartford, our thoughts and prayers are with those who have been affected by Storm Sandy, and on a personal note, we at the Hartford hope that each of you and your family are faring well during these very challenging times, because clearly this was a devastating storm with a large footprint and tropical force winds that impacted a highly populated area.
At the Hartford, our catastrophe team has been on the ground working 24/7 to help our policyholders and I want to express my deep appreciation to our claims' teammates and others in the field. In addition, we're also very thankful for the emergency personnel and volunteers who are providing basic needs and critical services.
I know you all are interested in loss estimates, but it's much too early for us to provide data with any level of certainty. We're still waiting for clearance from local authorities to access some areas. Yesterday, for example, was the first day we were able to get adjusters into Long Island.
Now, clearly, this is a significant event for those who suffered losses. But Storm Sandy is well within the planning scenarios we use to manage catastrophe risk at the Hartford. This is a major storm, but is a manageable exposure for the Hartford. As we have more certainty around the Hartford's losses, we will provide you with details.