Ryan Greenier | Vice President of Investor Relations |
Marita Zuraitis | President and Chief Executive Officer |
Bret Conklin | Executive Vice President, Chief Financial Officer |
Bill Caldwell | Executive Vice President, Property and Casualty |
Bret Benham | Executive Vice President, Life and Retirement |
Matt Sharpe | Executive Vice President, Strategy and Business Development |
Bob Glasspiegel | Janney Montgomery |
Christopher Campbell | KBW |
Gary Ransom | Dowling and Partners |
Sam Hoffman | Lincoln Square Capital |
Greetings, and welcome to the Horace Mann Fourth Quarter and Full Year 2017 Earnings Conference Call. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation [Operator Instructions].
As a reminder, this conference is being recorded. It is now my pleasure to introduce your host, Mr.