Karen Guerra | Vice President, Investor Relations |
Joe Lacher | President, Chief Executive Officer and Chairman |
Jim McKinney | Executive Vice President and Chief Financial Officer |
Duane Sanders | Executive Vice President and President, Property & Casualty Division |
Greg Peters | Raymond James |
Paul Newsome | Piper Sandler |
Gary Ransom | Dowling & Partners |
Brian Meredith | UBS |
Good afternoon, ladies and gentlemen and welcome to the Kemper’s Fourth Quarter 2021 Earnings Conference Call. My name is Tamia and I will be your operator for today’s call. [Operator Instructions] As a reminder, this conference call is being recorded for replay purposes. I would now like to introduce your host for today’s call, Karen Guerra, Kemper’s Vice President of Investor Relations. Ms.