Christopher A. Giovanni | Lincoln National Corp. |
Dennis R. Glass | Lincoln National Corp. |
Randal J. Freitag | Lincoln National Corp. |
Jamminder Singh Bhullar | JPMorgan Securities LLC |
Erik James Bass | Autonomous Research US LP |
Ryan Krueger | Keefe, Bruyette & Woods, Inc. |
Thomas Gallagher | Evercore ISI |
Suneet Kamath | Citigroup Global Markets, Inc. |
Randy Binner | B. Riley FBR, Inc. |
John Bakewell Barnidge | Sandler O'Neill & Partners LP |
Humphrey Hung Fai Lee | Dowling & Partners Securities LLC |
Joshua Shanker | Deutsche Bank Securities, Inc. |
Andrew Kligerman | Credit Suisse Securities (NYSE:USA) LLC |
Good morning and thank you for joining Lincoln Financial Group's Third Quarter 2018 Earnings Conference Call. At this time, all lines are in listen-only mode. Later we will announce the opportunity for questions, and instructions will be given at that time.
Now I would like to turn the conference over to the Senior Vice President of Investor Relations, Chris Giovanni. Please go ahead, sir.