Jennifer Childe | Vice President of Investor Relations |
Gary Bhojwani | Chief Executive Officer |
Erik Helding | Chief Financial Officer |
Eric Johnson | Chief Investment Officer and President |
Randy Binner | B Riley FBR |
Ryan Krueger | KBW |
Humphrey Lee | Dowling & Partners |
Erik Bass | Autonomous Research |
Tom Gallagher | Evercore ISI |
Dan Bergman | Citi |
Alex Scott | Goldman Sachs |
Jeff Schmitt | William Blair |
Good morning. My name is Emily, and I will be your conference operator today. At this time, I would like to welcome everyone to the CNO Financial Group fourth quarter 2018 earnings results. [Operator Instructions] Thank you. Jennifer Childe, Vice President of Investor Relations, please go ahead.