Michael Marinaccio | VP of Corporate Development and IR |
Joe Lacher | President and CEO |
Jim McKinney | SVP and CFO |
Duane Sanders | SVP and President of Property & Casualty Division |
John Boschelli | SVP and Chief Investment Officer |
Mark Green | SVP and President of Life & Health Division |
Paul Newsome | Sandler O'Neill |
Marcos Holanda | Raymond James |
Adam Klauber | William Blair |
Christopher Campbell | KBW |
Samir Khare | Capital Returns Management |
Good afternoon, ladies and gentlemen, and welcome to Kemper's Fourth Quarter 2018 Earnings Conference Call. My name is Andrea, and I will be your coordinator today. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time.
As a reminder, the conference call is being recorded for replay purposes.