 Unum Group NYSE:UNM Q3 2022 Earnings Conference Call November 2, 2022 8:00 AM ET Company Participants Matthew Royal - Chief Risk Officer SVP, IR Richard McKenney - President, CEO Director Steven Zabel - EVP CFO Mark Till - EVP CEO, Unum International Michael Simonds - EVP COO Timothy Arnold - EVP, Voluntary Benefits President, Colonial Life Conference Call Participants Erik Bass - Bernstein Autonomous Ryan Krueger - KBW Alexander Scott - Goldman Sachs Suneet Kamath - Jefferies Tracy Benguigui - Barclays Bank Thomas Gallagher - Evercore ISI Jamminder Bhullar - JPMorgan Chase Co. Operator Hello, everyone, and welcome to the Unum Group Third Quarter 2022 Earning Results Conference Call. My name is Alex. 