Michael Marinaccio | VP of Corporate Development and IR |
Joe Lacher | President and CEO |
Jim McKinney | SVP and CFO |
Duane Sanders | President of Property & Casualty Division |
John Boschelli | SVP and Chief Investment Officer |
Mark Green | President of Life & Health Division |
Greg Peters | Raymond James |
Adam Klauber | William Blair |
Bob Glasspiegel | Janney Montgomery Scott |
Paul Newsome | Sandler O'Neill |
Chris Campbell | KBW |
Mark Cohen | Guggenheim Partners |
Good afternoon, ladies and gentlemen, and welcome to Kemper's Third Quarter 2018 Earnings Conference Call. My name is Brendan and I will be your coordinator today. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time.
As a reminder, the conference is being recorded for replay purposes.