Heather Wietzel | VP, IR |
Marita Zuraitis | President & CEO |
Bret Conklin | EVP & CFO |
Mark Desrochers | SVP & Chief Corporate Actuary |
Ryan Greenier | SVP Finance |
Matt Carletti | JMP Securities |
John Barnidge | Piper Sandler |
Meyer Shields | KBW |
Gary Ransom | Dowling & Partners |
Good morning and welcome to the Horace Mann Second Quarter 2020 Results Conference Call. All participants will be in listen-only mode. [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. Please go ahead.