Christopher Curran | SVP of Corporate Development |
Mark Casale | Chairman, CEO & President |
Lawrence McAlee | Senior VP & CFO |
Mark DeVries | Barclays |
Douglas Harter | Credit Suisse |
Bose George | KBW |
Mackenzie Aron | Zelman & Associates |
Jack Micenko | SIG |
Sean Dargan | Wells Fargo Securities |
Geoffrey Dunn | Dowling & Partners |
Phil Stefano | Deutsche Bank |
Mihir Bhatia | Bank of America |
Chris Gamaitoni | Compass Point |
Good morning. My name is Chris, and I will be your conference operator today. At this time, I would like to welcome everyone to the Essent Group Limited First Quarter 2018 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. [Operator Instructions] Thank you.