Chris Curran | Senior Vice President, Investor Relations |
Mark Casale | Chairman, President and Chief Executive Officer |
Larry McAlee | Senior Vice President and Chief Financial Officer |
Rick Shane | JPMorgan |
Mark DeVries | Barclays |
Mihir Bhatia | Bank of America |
Ryan Gilbert | BTIG |
Geoffrey Dunn | Dowling and Partners |
Bose George | KBW |
Ladies and gentlemen, thank you for standing by and welcome to the Essent Group Limited Third Quarter 2021 Earnings Call. All participants' lines are in a listen-only mode. After the speakers remarks there will be a question-and-answer session. [Operator Instructions] Thank you. I would now like to turn the call over to Chris Curran, Senior Vice President of Investor Relations.