Stephen Mota | executive |
Frank Svoboda | executive |
James Darden | executive |
Thomas Kalmbach | executive |
Jamminder Bhullar | analyst |
John Barnidge | analyst |
Ryan Krueger | analyst |
Suneet Kamath | analyst |
Wilma Jackson Burdis | analyst |
Thomas Gallagher | analyst |
Hello, and welcome to Globe Life Inc.'s Fourth Quarter 2023 Earnings Release. My name is Melissa, and I will be your operator for today's call. Please note, this conference is being recorded. [Operator Instructions] I'll now turn the call over to Stephen Mota, Senior Director of Investor Relations. Please go ahead.