 Zurich Insurance Group AG OTCQX:ZURVY Q3 2022 Earnings Conference Call November 10, 2022 7:00 AM ET Company Participants Jon Hocking - Head, Investor Relations and Rating Agency Management George Quinn - Group CFO Mario Greco - Group CEO Conference Call Participants Andrew Sinclair - Bank of America Merrill Lynch Kamran Hossain - JPMorgan Chase Co. William Hawkins - KBW William Hardcastle - UBS Michael Huttner - Berenberg Andrew Ritchie - Bernstein Autonomous Dominic OMahony - BNP Paribas Exane Ashik Musaddi - JPMorgan Chase Co. Vinit Malhotra - Mediobanca Thomas Fossard - HSBC Operator Ladies and gentlemen, welcome to Zurich Insurance Group Q3 Results 2022 Conference Call. Im Andre, the Chorus Call operator. 