Chris Curran | Senior Vice President of Investor Relations |
Mark Casale | Chairman and Chief Executive Officer |
Larry McAlee | Chief Financial Officer |
Phil Stefano | Deutsche Bank |
Mark DeVries | Barclays |
Doug Harter | Credit Suisse |
Jack Micenko | SIG |
Bose George | KBW |
Rick Shane | JPMorgan |
Ryan Gilbert | BTIG |
Thank you for standing by, and welcome to the Essent Group Limited Fourth Quarter 2020 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. [Operator Instructions] I would now like to hand the conference over to your speaker today, Mr.