John Swenson | VP, IR and Treasury |
Adam Pollitzer | President and CEO |
Brad Shuster | Executive Chairman |
Ravi Mallela | CFO |
Julie Norberg | Chief Accounting Officer |
Mark Devries | Barclays |
John Kilichowski | Credit Suisse |
Rick Shane | JPMorgan |
Bose George | KBW |
Mark Hughes | Truist |
Ryan Gilbert | BTIG |
Bill Dezellem | Tieton Capital |
Geoffrey Dunn | Dowling Partners |
Good day, and welcome to the NMI Holdings, Inc.
Second Quarter 2022 Earnings Conference Call. All participants will be in a listen-only mode. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Mr.