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Operator
Ladies and gentlemen, thank you for standing by, and welcome to the Prudential quarterly earnings call. [Operator instructions] I would now like to turn the conference over to our host, head of investor relations, Mr. Darin Arita. Please go ahead.
Darin Arita
Senior Vice President & Head-Investor Relations
Good morning, and thank you for joining our call. Representing Prudential in today s call are Charlie Lowrey, chairman and CEO; Bob Falzon, vice chairman; Andy Sullivan, head of U.S. businesses; Scott Sleyster, head of international businesses; Ken Tanji, chief financial officer; and Rob Axel, controller and principal accounting officer. We will start with prepared comments by Charlie, Rob and Ken, and then we will take your questions. ....

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