John Swenson | VP, IR and Treasury |
Brad Shuster | Executive Chairman |
Claudia Merkle | CEO |
Adam Pollitzer | CFO |
Julie Norberg | Controller |
Doug Harter | Credit Suisse |
Bose George | KBW |
Rick Shane | JPMorgan |
Colin Johnson | B. Riley Securities |
Mark Hughes | Truist |
Ryan Gilbert | BTIG |
Geoffrey Dunn | Dowling & Partners |
Good day and thank you for standing by and welcome to the NMI Holdings Incorporated Second Quarter 2021 Earnings Conference Call. at this time all participants are in listen-only mode. After the speaker's presentation, there will be a question-and--answer session. [Operator instructions] I'd now like to turn the conference over to your speaker today, Mr. John Swenson,