Joseph Lacher | Chairman, President and CEO |
James McKinney | EVP and CFO |
Duane Sanders | EVP, President, Property & Casualty Division |
Karen Guerra | VP, IR |
Gregory Peters | Raymond James |
Paul Newsome | Piper Sandler |
Brian Meredith | UBS |
Gary Ransom | Dowling & Partners |
Andrew Kligerman | Credit Suisse |
Good afternoon, ladies and gentlemen, and welcome to Kemper's Third Quarter 2022 Earnings Conference Call. My name is Drew, and I'll be your coordinating your call 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 the time.
As a reminder, this conference call is being recorded for replay purposes.