Al Copersino | Vice President, Investor Relations |
Dennis Glass | President and Chief Executive Officer |
Randy Freitag | Chief Financial Officer and Head of Individual Life |
Tom Gallagher | EVR |
Suneet Kamath | Jefferies |
Tracy Benguigui | Barclays |
Alex Scott | Goldman Sachs |
Josh Shanker | Bank of America |
Elyse Greenspan | Wells Fargo |
Erik Bass | Autonomous Research |
00:01 Good morning and thank you for joining Lincoln Financial Group's Fourth Quarter 2021 Earnings Conference Call. At this time, all lines are in a listen-only mode. Later, we'll announced the opportunity for questions and instructions will be given at that time. [Operator Instructions] 00:23 Now, I would like to turn the conference over to the Vice President of Investor Relations, Al Copersino. Please go ahead, sir.