Phil Stefano | Vice President-Investor Relations |
Mark Casale | Chairman & Chief Executive Officer |
David Weinstock | Chief Financial Officer |
Chris Curran | President-Essent Guaranty |
Mihir Bhatia | Bank of America |
Rick Shane | JPMorgan |
Bose George | KBW |
Doug Harter | Credit Suisse |
Eric Hagen | BTIG |
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 Second Quarter 2023 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.