Christopher Curran | Senior Vice President of Investor Relations |
Mark Casale | Chairman, President and Chief Executive Officer |
Lawrence Mcalee | Senior Vice President and Chief Financial Officer |
Mark DeVries | Barclays Capital |
Phil Stefano | Deutsche Bank |
Sam Joey | Credit Suisse |
Mackenzie Aron | Zelman & Associates LLC |
Mihir Bhatia | Bank of America Merrill Lynch |
Bose George | Keefe, Bruyette & Woods, Inc. |
Jack Micenko | Susquehanna International Group, LLP |
Chris Gamaitoni | Compass Point Research & Trading, LLC |
Rick Shane | JPMorgan |
Geoffrey Dunn | Dowling & Partners |
Good morning. My name is Rob, and I will be your conference operator today. At this time, I would like to welcome everyone to the Essent Group Limited Second Quarter 2019 Earnings 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.