Greg Peters - Raymond James Brian Meredith - UBS Paul Newsome - Piper Sandler I would now like to introduce your host for today's conference call, Karen Guerra, Kemper's Vice President of Investor Relations. Ms. Guerra, you may begin. Thank you, operator. Good afternoon, everyone, and welcome to Kemper's discussion of our third quarter 2023 results. This afternoon, you'll hear from Joe Lacher, Kemper's President and Chief Executive Officer and Chairman; Brad Camden, Kemper's Senior Vice President and Interi ...