Matthew Royal | Chief Risk Officer & SVP, IR |
Richard McKenney | President, CEO & Director |
Steven Zabel | EVP & CFO |
Mark Till | EVP & CEO, Unum International |
Michael Simonds | EVP & COO |
Timothy Arnold | EVP, Voluntary Benefits & President, Colonial Life |
Erik Bass | Bernstein Autonomous |
Ryan Krueger | KBW |
Alexander Scott | Goldman Sachs |
Suneet Kamath | Jefferies |
Tracy Benguigui | Barclays Bank |
Thomas Gallagher | Evercore ISI |
Jamminder Bhullar | JPMorgan Chase & Co. |
Hello, everyone, and welcome to the Unum Group Third Quarter 2022 Earning Results Conference Call. My name is Alex. I'll be coordinating the call today. [Operator Instructions].
I will now hand over to your host, Matt Royal, Senior Vice President of Investor Relations.