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Operator: Hello and welcome to the Third Quarter 2023 AXIS Capital Earnings Call. All participants will be in listen only-mode.

City ofUnited kingdomStone pointUnited statesNorth yorkshireNoreen mcmullenElyse greenspanMiranda hunterPete vogtLinda ventrescaYaron kinarAlex scottVince tizzioAccident healthSpecialty solutionsAxis capital holdings limited