Thomas White | SVP, IR |
Richard McKenney | President, CEO & Director |
Steven Zabel | EVP & CFO |
Michael Simonds | EVP, President & CEO, Unum US |
Timothy Arnold | EVP, President & CEO, Colonial Life |
Peter O'Donnell | EVP & CEO, Unum International |
Ryan Krueger | KBW |
Humphrey Lee | Dowling & Partners Securities |
Thomas Gallagher | Evercore ISI |
Erik Bass | Autonomous Research |
Alex Scott | Goldman Sachs Group |
Andrew Kligerman | Crédit Suisse |
Jamminder Bhullar | JPMorgan Chase & Co. |
John Nadel | UBS Investment Bank |
Suneet Kamath | Citigroup |
Joshua Shanker | Deutsche Bank |
Good day, and welcome to the Unum Group 2Q 2019 Earnings Conference Call. Today's conference is being recorded. At this time, I'd like to turn the conference over to Mr. Tom White. Please go ahead, sir.