Chris Curran | Senior Vice President of Investor Relations |
Mark Casale | Chairman and CEO |
Larry McAlee | Chief Financial Officer |
Douglas Harter | Credit Suisse |
Rick Shane | JPMorgan |
Bose George | KBW |
Mark DeVries | Barclays |
Jack Micenko | SIG |
Mihir Bhatia | Bank of America |
Phil Stefano | Deutsche Bank |
Geoffrey Dunn | Dowling and Partners |
Ladies and gentlemen, thank you for standing by, and welcome to the Essent Limited Third Quarter 2020 Earnings Conference Call. At this time, all participant lines 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 [Operator Instructions]. I would now like to turn the call over to your speaker today, Chris Curran, Senior Vice President of Investor Relations.