David Young | VP, Investor and Rating Agency Relations |
Dan Amos | Chairman, CEO |
Fred Crawford | President, COO |
Max Broden | EVP, CFO |
Teresa White | President, Aflac U.S. |
Virgil Miller | President, Individual and Group Benefits |
Al Riggieri | Global CRO, Chief Actuary |
Koichiro Yoshizumi | Director, Deputy President, Director of Sales and Marketing |
Masatoshi Koide | President and Representative Director |
Nigel Dally | Morgan Stanley |
Humphrey Lee | Dowling & Partners |
Jimmy Bhullar | JP Morgan Securities LLC |
Tom Gallagher | Evercore ISI |
John Barnidge | Piper Sandler |
Erik Bass | Autonomous Research |
Ryan Krueger | KBW |
Good day, and welcome to Aflac Third Quarter 2021 Earnings Conference Call. [Operator Instructions]. Please note, this event is being recorded. I'd now like to turn the conference over to David Young, Vice President of Investor and Rating Agency Relations and ESG. Please go ahead.