Kathryn Kieser | VP, IR |
Glenn Williams | CEO & Director |
Alison Rand | Executive VP & CFO |
Sean Dargan | Wells Fargo Securities |
Daniel Bergman | Citigroup |
Mark Hughes | SunTrust Robinson Humphrey |
Good morning. My name is Megan, and I will be your conference operator today. At this time, I would like to welcome everyone to the Primerica's Third Quarter Earnings Results webcast. [Operator Instructions]. I would now turn the call over to Kathryn Kieser, Executive Vice President of Investor Relations.