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Operator Good afternoon, ladies and gentlemen, and welcome to Kemper s Fourth Quarter 2020 Earnings Conference Call. My name is Matt, and I will be your coordinator today. [Operator Instructions] Later, we will conduct a question-and-answer session and instructions will follow at this time. [Operator Instructions] I would now like to introduce your host for today s conference call Christine Patrick, Kemper s Vice President of Investor Relations. Ms. Patrick, you may begin. Christine Patrick Vice President of Investor Relations Thank you operator. Good afternoon everyone, and welcome to Kemper s discussion of our fourth quarter 2020 results. This afternoon, you ll hear from Joe Lacher, Kemper s President and Chief Executive Officer; Jim McKinney, Kemper s Executive Vice President and Chief Financial Officer; and Duane Sanders Kemper s Executive Vice President and the Property & Casualty Division President. We ll make a few opening remarks to provide context around our fourth q

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