Adam Auvil | Head of Investor Relations |
Gary Bhojwani | Chief Executive Officer |
Erik Helding | Chief Financial Officer |
Randy Binner | B. Riley FBR, Inc. |
Ryan Krueger | Keefe, Bruyette & Woods |
Erik Bass | Autonomous Research |
Daniel Bergman | Citigroup |
Sean Dargan | Wells Fargo Securities LLC |
Humphrey Lee | Dowling & Partners |
Alex Scott | Goldman Sachs |
Thomas Gallagher | Evercore ISI |
Good morning. My name is Stephanie, and I will be your conference operator today. At this time, I would like to welcome everyone to the CNO Financial Group Inc. Fourth Quarter 2017 Earnings Results Conference Call. All lines have been placed on mute to avoid any background noise.