Christopher Curran | SVP of Corporate Development |
Mark Casale | Chairman and CEO |
Lawrence McAlee | CFO |
Mark DeVries | Barclays |
Sample Choe | Credit Suisse |
Bose George | KBW |
Mackenzie Aron | Zelman & Associates |
Jack Micenko | SIG |
Mihir Bhatia | Bank of America |
Good morning. My name is Adam, and I will be your conference operator today. At this time, I would like to welcome everyone to the Essent Group Limited Third Quarter Earnings Call. [Operator Instructions] Thank you. Chris Curran, Senior Vice President of Investor Relations, you may begin.