Christopher Curran | SVP, IR |
Mark Casale | Chairman, President and CEO |
Lawrence McAlee | SVP and CFO |
Soham Bhonsle | SIG |
Douglas Harter | Credit Suisse |
Bose George | Keefe, Bruyette, & Woods, Inc. |
Mark DeVries | Barclays |
Mackenzie Aron | Zelman & Associates |
Mihir Bhatia | Bank of America |
Chris Gamaitoni | Compass Point |
Phil Stefano | Deutsche Bank |
Geoffrey Dunn | Dowling & Partners |
Rick Shane | JPMorgan |
Ladies and gentlemen, thank you for standing by and welcome to the Essent Group Ltd. Fourth Quarter and Full Year 2019 Earnings Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded.