Mark Casale | Chairman, Chief Executive Officer |
Larry McAlee | Chief Financial Officer |
Chris Curran | Senior Vice President of Investor Relations |
Philip Stefano | Deutsche Bank |
Jack Micenko | SIG |
Mark DeVries | Barclays |
Mackenzie Aron | Zelman & Associates |
Rick Shane | JPMorgan |
Bose George | KBW |
Mihir Bhatia | Bank of America/Merrill Lynch |
Sean Dargan | Wells |
Chris Gamaitoni | Compass Point |
Geoffrey Dunn | Dowling & Partners |
Good morning. My name is Tessa and I will be your conference operator today. At this time I would like to welcome everyone to Essent Group Ltd., Fourth Quarter 2017 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers remarks there will be a question-and-answer session.