Heather Wietzel | 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 |
Ryan Greenier | Vice President, Corporate Finance |
Christopher Campbell | KBW |
Bob Glasspiegel | Janney Montgomery Scott |
Gary Ransom | Dowling & Partners |
Greetings and welcome to the Horace Mann Third Quarter Earnings Conference Call. [Operator Instructions] As a reminder, this conference is being recorded. It is now my pleasure to introduce your host, Heather Wietzel, Vice President, Investor Relations. Thank you, Ms. Wietzel.