Heather Wietzel | Vice President of Investor Relations |
Marita Zuraitis | President & Chief Executive Officer |
Bret Conklin | Executive Vice President & Chief Financial Officer |
Bill Caldwell | Executive Vice President, Product |
Matt Sharpe | Executive Vice President, Strategy & Business Development |
Wade Rugenstein | Executive Vice President, Operations |
Ryan Greenier | Vice President, Corporate Finance |
Matt Carletti | JMP |
John Barnidge | Sandler O'Neill |
Gary Ransom | Dowling & Partners |
Freddie Sleiffer | KBW |
Good morning and welcome to Horace Mann's Third Quarter Investor Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Heather Wietzel, Vice President, Investor Relations.