Philip Stefano | executive |
Mark Casale | executive |
David Weinstock | executive |
Bose George | analyst |
Mihir Bhatia | analyst |
Richard Shane | analyst |
Christopher Curran | executive |
Eric Hagen | analyst |
Thank you for standing by. My name is Adam, and I'll be your conference operator today. At this time, I'd like to welcome everyone to the Essent Group Limited Third Quarter Earnings Call. [Operator Instructions]. I'd now like to turn the call over to Phil Stefano.