Christopher Curran | Senior Vice President of Corporate Development |
Mark Casale | Chairman, Chief Executive Officer & President |
Lawrence McAlee | Senior Vice President & Chief Financial Officer |
Mark DeVries | Barclays |
Bose George | KBW |
Mackenzie Aron | Zelman & Associates |
Douglas Harter | Credit Suisse |
Soham Bhonsle | SIG |
Phil Stefano | Deutsche Bank |
Mihir Bhatia | Bank of America Merrill Lynch |
Chris Gamaitoni | Compass Point |
Geoffrey Dunn | Dowling & Partners |
Good morning. My name is Leandra, and I will be your conference operator. At this time, I would like to welcome everyone to the Essent Group Limited Second Quarter 2018 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speaker's remarks there will be a question and answer session.