Heather Wietzel | Vice President of Investor Relations |
Marita Zuraitis | President and Chief Executive Officer |
Bret Conklin | Executive Vice President and Chief Financial Officer |
Mark Desrochers | SVP, Head of P&C and Corporate Chief Actuary |
Meyer Shields | KBW |
Matt Carletti | JMP |
John Barnidge | Piper Sandler |
Gary Ransom | Dolling & Partners |
Greg Peters | Raymond James |
00:06 Good day, and welcome to the Horace Mann 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. 00:34 I would now like to turn the conference over to Heather Wietzel, Vice President of Investor Relations.