Heather Wietzel | VP, IR |
Marita Zuraitis | President and CEO |
Bret Conklin | EVP and CFO |
Mark Desrochers | SVP and Chief Corporate Actuary |
John Barnidge | Piper Sandler |
Matt Carletti | JMP Securities |
Gary Ransom | Dowling & Partners |
Meyer Shields | KBW |
John Barnidge | Piper Sandler |
Good morning, and welcome to Horace Mann Educators Third Quarter 2020 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.