Christine Patrick | Vice President, Investor Relations |
Joe Lacher | President and Chief Executive Officer |
Jim McKinney | Executive Vice President and Chief Financial Officer |
Duane Sanders | Executive Vice President and President, Property & Casualty Division |
Matt Carletti | JMP |
Paul Newsome | Piper Sandler |
Greg Peters | Raymond James |
Brian Meredith | UBS |
Jeff Smith | William Blair |
Good afternoon, ladies and gentlemen. And welcome to Kemper's Third Quarter 2020 Earnings Conference Call. My name is Sarah and I will be your coordinator today. At this time, all participants are in listen-only mode. Later, we will conduct a question-and-answer session and instructions will follow at that time.