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Dennis R. Glass - Chief Executive Officer, President, Director, Member of Executive Committee, Member of Corporate Action Committee and Member of Committee On Corporate Action
Randal J. Freitag - Chief Financial Officer and Executive Vice President
Randy Binner - FBR Capital Markets & Co., Research Division
Jamminder S. Bhullar - JP Morgan Chase & Co, Research Division
Suneet L. Kamath - UBS Investment Bank, Research Division
Edward A. Spehar - BofA Merrill Lynch, Research Division
Christopher Giovanni - Goldman Sachs Group Inc., Research Division
John M. Nadel - Sterne Agee & Leach Inc., Research Division
Steven D. Schwartz - Raymond James & Associates, Inc., Research Division
Thomas G. Gallagher - Crédit Suisse AG, Research Division
Ryan Krueger - Dowling & Partners Securities, LLC
Joanne A. Smith - Scotiabank Global Banking and Market, Research Division
A. Mark Finkelstein - Evercore Partners Inc., Research Division
Good afternoon, and thank you for joining Lincoln Financial Group's Second Quarter 2012 Earnings Conference Call. [Operator Instructions] At this time, I would like to turn the conference over to Senior Vice President of Investor Relations, Jim Sjoreen. Please go ahead, sir.
Thank you, operator, and good afternoon, and welcome to Lincoln Financial's second quarter Earnings call.
Before we begin, I have an important reminder. Any comments made during the call regarding future expectations, trends and market conditions, including comments about liquidity and capital resources, premiums, deposits, expenses and income from operations, are forward-looking statements under the Private Securities Litigation Reform Act of 1995. These forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from current expectations. These risks and uncertainties are described in the cautionary statement disclosures in our earnings release issued yesterday and our reports on Forms 8-K, 10-Q and 10-K filed with the SEC.