Tom White | Investor Relations |
Richard Mckenney | CEO |
Steven Zabel | CFO |
Michael Simonds | COO |
Mark Til | Vice President |
Ryan Krueger | K BW. Ryan |
Jimmy Bhullar | JPMorgan |
Tom Gallagher | Evercore ISI |
Erik Bass | Autonomous Research |
Tracy Benguigui | Barclays |
Humphrey Lee | Dowling & Partners |
Josh Shanker | Bank of America |
Hello and welcome to the Unum Group 3Q 2021 Earnings Conference Call. My name is Robin and I will be coordinating your call today. [Operator Instructions] I will now hand you over to your host, Tom White, from Unum Group. Tom, please go ahead.
Great.