Schnitzer, Chairman and Chief Executive Officer, Brian W. MacLean, President and Chief Operating Officer, Jay S. Benet, Vice Chairman and Chief Financial Officer, William H. Heyman, Vice Chairman and Chief Investment Officer, Avrohom J. Kess, Vice Chairman and Chief Legal Officer, Diane D. Bengston, Executive Vice President, Enterprise Human Resources, Andy F. Bessette, Executive Vice President and Chief Administrative Officer, Lisa Caputo, Executive Vice President, Marketing, Communications and Customer Experience, John P. Clifford, Jr., Executive Vice President and Chief Human Resources Officer, Behram M. Dinshae, Executive Vice President and President, Small Commercial, Marlyss J. Gage, Executive Vice President and Enterprise Chief Underwriting Officer, Scott F. Higgins, Executive Vice President and President, Middle Market, Bruce R. Jones, Executive vice President and Chief Risk Officer, Patrick J. Kinney, Executive Vice President, Field Management, Michael F. Klein, Executive Vice President and president, Personal Insurance, and Head of Enterprise Business Intelligence and Analytics, Jeffrey P. Klenk, Executive Vice President, Management Liability, Thomas M. Kunkel, Executive vice President and President, Bond and Specialty Insurance, Madelyn Lankton, Executive Vice President and Chief Information Officer, Enterprise Operations and E-Business, William C. Malugen Jr., Executive vice President and President, National Accounts and