Ryan Greenier | VP, IR |
Marita Zuraitis | CEO, President and Director |
Bret Conklin | CFO and EVP |
William Caldwell | EVP, Property and Casualty |
Matthew Carletti | JMP Securities LLC |
Robert Glasspiegel | Janney Montgomery Scott |
Christopher Campbell | KBW |
Greetings and welcome to the Horace Mann Third Quarter Earnings Conference Call. [Operator Instructions]. It is now my pleasure to introduce your host, Mr. Ryan Greenier, Vice President of Investor Relations. Thank you, you may begin.