Heather Wietzel | executive |
Marita Zuraitis | executive |
Bret Conklin | executive |
John Barnidge | analyst |
Steve McAnena | executive |
Matthew Sharpe | executive |
Mark Desrochers | executive |
Meyer Shields | analyst |
Sidney Schultz | analyst |
Good morning and welcome to the Horace Mann Educators third quarter 2023 investor call. [Operator Instructions]Please note that this event is being recorded. I would now like to turn the conference over to Heather Wietzel, Vice President of Investor Relations. Please go ahead.
Thank you and good morning, everyone.