Jennifer Childe | VP, IR and Sustainability |
Gary Bhojwani | CEO & CNO |
Paul McDonough | CFO |
Erik Bass | Autonomous Research |
John Barnidge | Piper Sandler |
Humphrey Lee | Dowling and Partners |
Cullen Johnson | B. Riley Securities |
Ryan Krueger | KBW |
0:03 Good day and thank you for standing by. Welcome to the CNO Financial Group Fourth Quarter 2021 Earnings Conference Call. [Operator Instructions] Please be advised, today's conference is being recorded. [Operator Instructions]. 0:33 I would now like to hand the conference over to your speaker today, Ms.