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 |
Ryan Greenier | Chief Investment Officer & Senior Vice President |
Gary Ransom | Dowling & Partners |
Greg Peters | Raymond James |
Meyer Shields | KBW |
Good morning, and welcome to the Horace Mann Fourth Quarter and Full Year 2021 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, Investor Relations. Please go ahead.