Christopher Curran | Senior Vice President of Investor Relations |
Mark Casale | Chairman and Chief Executive Officer |
Lawrence McAlee | Chief Financial Officer |
Bose George | KBW |
Douglas Harter | Credit Suisse |
Mackenzie Aron | Zelman & Associates |
Mark DeVries | Barclays |
Mihir Bhatia | Bank of America |
Rick Shane | JPMorgan |
Chris Gamaitoni | Compass Point |
Jack Micenko | SIG |
Geoffrey Dunn | Dowling & Partners |
Philip Stefano | Deutsche Bank |
Good morning. My name is Emily and I will be your conference operator today. At this time, I would like to welcome everyone to Essent Group Third Quarter 2017 Earnings Conference Call. All lines have been placed on mute to prevent background noise. After the speakers' remarks there will be a Question-and-Answer Session.