Karen Guerra | executive |
Joseph Lacher | executive |
Bradley Camden | executive |
Matthew Hunton | executive |
Charles Peters | analyst |
Andrew Kligerman | analyst |
Brian Meredith | analyst |
Good afternoon, ladies and gentlemen, and welcome to Kemper's Fourth Quarter 2023 Earnings Conference Call. My name is Ludi, and I will be your coordinator today. [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 conference call, Karen Guerra, Kemper's Vice President of Investor Relations.