Our excellent underwriting results for the quarter reflect our discipline and commitment to profitable growth. The quality of our products, technology and people has helped us deepen and expand our agency relationships across the country....

As boomers approach retirement age, they want all kinds of flexibility.

We are in active discussions with regulators on several of these matters and are working diligently to resolve them. We have cooperated fully with the ongoing investigations and will continue to do so.

Notwithstanding, the several unusual items that influenced our results the last three months demonstrate that the underlying performance of The Hartford’s property and casualty and life operations was strong.

In December, we reached a milestone for our company as we celebrated our 10-year anniversary as an independent publicly traded company on the New York Stock Exchange. Over the past decade, our shareholders have been...