Chris Giovanni | Senior Vice President, IR |
Dennis Glass | President and Chief Executive Officer |
Randy Freitag | Chief Financial Officer and Head of Individual Life |
Ryan Krueger | KBW |
Humphrey Lee | Dowling & Partners |
Randy Binner | B Riley FBR |
Thomas Gallagher | Evercore ISI |
Jimmy Bhullar | JPMorgan |
John Nadel | UBS |
Alex Scott | Goldman Sachs |
Eric Bass | Autonomous Research |
John Barnidge | Sandler O'Neill |
Josh Shanker | Duetsche bank |
Good morning and thank you for joining Lincoln Financial Group's Fourth Quarter 2018 Earnings Conference Call. At this time, all lines are in a listen-only mode. Later we will announce the opportunity for questions and instructions will be given at that time. [Operator Instructions] Now I would like to turn the conference over to the Senior Vice President of Investor Relations, Chris Giovanni. Please go ahead, sir.