Ryan Greenier | Vice President-Investor Relations |
Marita Zuraitis | President and Chief Executive Officer |
Bret Conklin | Executive Vice President and Chief Financial Officer |
Bill Caldwell | Executive Vice President-Property and Casualty |
Bret Benham | Executive Vice President-Life and Retirement |
Robert Glasspiegel | Janney Montgomery Scott |
Matthew Carletti | JMP Securities |
Christopher Campbell | KBW |
Gary Ransom | Dowling & Partners |
Greetings, and welcome to the Horace Mann First Quarter 2018 Earnings Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to turn the conference over to your host, Mr.