Karen Guerra | VP, IR |
Joseph Lacher | CEO |
James McKinney | EVP & CFO |
Matthew Hunton | EVP & President, Kemper Auto |
Duane Sanders | EVP & President, P&C Claims & Personal Insurance |
Timmy Stonehocker | EVP & President, Kemper Life |
Charles Peters | Raymond James & Associates |
Brian Meredith | UBS |
Jon Newsome | Piper Sandler & Co. |
Andrew Kligerman | Crédit Suisse |
Good afternoon, ladies and gentlemen, and welcome to Kemper's Fourth Quarter 2022 Earnings Conference Call. My name is Jason Erne and I will be your coordinator today. [Operator Instructions].
I would now like to introduce your host for today's conference call, Karen Guerra, Kemper's Vice President of Investor Relations. Ms.