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Operator: Good day, and welcome to Globe Life Second Quarter 2023 Earnings Release Conference Call. Today s conference is being recorded.

United statesBrian mitchellStephen motaTom kalmbachPiper sandlerJimmy bhullarJames dardenMatt dardenFrank svobodaSuneet kamathThomas kalmbachMaxwell fritscherWes carmichaelWesley carmichaelJohn barnidgeTom gallagher