|Tim Owens||Genworth Financial, Inc.|
|Thomas J. McInerney||Genworth Financial, Inc.|
|Kelly L. Groh||Genworth Financial, Inc.|
|Kevin D. Schneider||Genworth Financial, Inc.|
|Ryan Krueger||Keefe, Bruyette & Woods, Inc.|
|Jamminder Singh Bhullar||JPMorgan Securities LLC|
|Sean Dargan||Wells Fargo Securities LLC|
|Thomas Gallagher||Evercore Group LLC|
|Peter Troisi||Barclays Capital, Inc.|
|Josh Esterov||CreditSights, Inc.|
Good morning, ladies and gentlemen, and welcome to Genworth Financial's fourth quarter 2017 earnings conference call. My name is Kathy, and I will be your coordinator today. At this time, all participants are in a listen-only mode.
We will facilitate a question-and-answer session towards the end of this conference call.
As a reminder, the conference is being recorded for replay purposes.