Heather Wietzel | executive |
Marita Zuraitis | executive |
Bret Conklin | executive |
Meyer Shields | analyst |
Stephen McAnena | executive |
Matthew Carletti | analyst |
Matthew Sharpe | executive |
John Barnidge | analyst |
Sidney Schultz | analyst |
Hello, and welcome to the Horace Mann Fourth Quarter and Year-End Results Conference Call. [Operator Instructions] I would now like to hand the call to Heather Wietzel, Vice President of Investor Relations. Please go ahead.
Thank you. Welcome to Horace Mann's discussion of our fourth quarter and full year results.