Adam Auvil | executive |
Gary Bhojwani | executive |
Paul McDonough | executive |
Ryan Krueger | analyst |
Eric Johnson | executive |
Suneet Kamath | analyst |
John Barnidge | analyst |
Wilma Jackson Burdis | analyst |
Hello, and welcome to today's CNO Financial Group Fourth Quarter 2023 Earnings Conference Call. My name is Bailey, and I'll be your moderator for today. [Operator Instructions]. I would now like to pass the conference over to today's host, Adam Auvil to begin. Please begin.