Phil Stefano | Vice President-Investor Relations |
Mark Casale | Chairman and Chief Executive Officer |
Dave Weinstock | Interim Chief Financial Officer |
Chris Curran | President-Essent Guaranty |
Mark DeVries | Barclays |
Rick Shane | JPMorgan |
Mihir Bhatia | Bank of America |
Bose George | Keefe, Bruyette, &Woods |
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 Fourth Quarter and Year-End Earnings Conference 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. [Operator Instructions]