Heather Wietzel | Vice President-Investor Relations |
Marita Zuraitis | President and Chief Executive Officer |
Bret Conklin | Executive Vice President and Chief Financial Officer |
Mark Desrochers | Property & Casualty |
Matt Sharpe | Supplemental & Group Benefits |
Ryan Greenier | Investments |
Gary Ransom | Dowling & Partners |
John Barnidge | Piper Sandler |
Matt Carletti | JMP |
Meyer Shields | KBW |
Good day, and welcome to the Horace Mann Educators’ Third Quarter 2022 Investor Call. All participants will be in listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. Please note, this event is being recorded. I’d now like to turn the conference over to Heather Wietzel, Vice President of Investor Relations.