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Operator Welcome to Marsh & McLennan s conference call. Today s call is being recorded. Fourth quarter 2020 financial results and supplemental information were issued earlier this morning. They are available on the company s website at mmc.com. Please note that remarks made today may include forward-looking statements, including certain expectations related to COVID-19 and other matters. Forward-looking statements are subject to risks and uncertainties and a variety of factors may cause actual results to differ materially from those contemplated by such statements. For a more detailed discussion of those factors, please refer to our earnings release for this quarter into our most recent SEC filings, including our most recent Form 10-K, all of which are available on the MMC website.

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