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Operator: Good morning, and welcome to the Erie Indemnity Company Second Quarter 2023 Earnings Conference Call.

Julie pelkowskiTim necastroScott beilharzErie claim centerIndemnity companyGreat place to work instituteErie indemnity company second quarterForbes world best insurance companiesErie indemnity companyCall transcript julyVice presidentInvestor relationsChief executive officerExecutive vice presidentChief financialErie indemnity