Heather Wietzel | VP, IR |
Marita Zuraitis | President and CEO |
Bret Conklin | EVP and CFO |
Mark Desrochers | SVP and Chief Corporate Actuary |
Wade Rugenstein | EVP, Supplemental and Operations |
Mike Weckenbrock | SVP, Retirement & Life |
Matt Carletti | JMP Securities |
Meyer Shields | KBW |
John Barnidge | Piper Sandler |
Gary Ransom | Dowling & Partners |
Good morning and welcome to the Horace Mann Educators Fourth Quarter and Year-end 2020 Investor's Call. All participants will be in listen-only mode [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. Please note, this event is being recorded. I'd now like to turn the conference over to Heather Wietzel, Vice President of IR. Please go ahead.