Phil Stefano | Vice President-Investor Relations |
Mark Casale | Chairman & Chief Executive Officer |
David Weinstock | Chief Financial Officer |
Chris Curran | President-Essent Guaranty |
Mark DeVries | Barclays |
Bose George | KBW |
Mihir Bhatia | Bank of America |
Geoffrey Dunn | Dowling & Partners |
Doug Harter | Credit Suisse |
Roland Mayer | RBC Capital Markets |
Eric Hagen | BTIG |
Hello, and welcome to the Essent Group Ltd.
First Quarter Earnings 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]