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Operator: Good afternoon, ladies and gentlemen, and welcome to Kemper s Fourth Quarter 2022 Earnings Conference Call. My name is Jason Erne and I will be your coordinator today. .

United statesDuane sandersCharles petersMatt huntonJohn boschelliKaren guerraRaymond jamesTim stonehockerJason erneTimmy stonehockerJames mckinneyJim mckinneyJoseph lacherJoe lacherMatthew huntonGreg peters