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Operator: Thank you for standing by and welcome to the Employers Holdings Fourth Quarter 2022 Earnings Conference Call. As a reminder, today s program is being recorded.

United statesMichael paquetteMike paquetteKathy antonelloMark hughesLori brownKatherine antonelloExchange commissionBiggest georgia companiesSmall innovative companiesHome loan bankEmployers holdings fourth quarterEmployers holdings incEmployers holdingsCall transcript februaryExecutive vice president