Mike Zimmerman | Senior Vice President, IR |
Patrick Sinks | Chief Executive Officer |
Timothy Mattke | Chief Financial Officer |
Stephen Mackey | Chief Risk Officer |
Geoffrey Dunn | Dowling & Partners |
Mark DeVries | Barclays |
Jack Micenko | SIG |
Douglas Harter | Credit Suisse |
Chris Gamaitoni | Compass Point |
Philip Stefano | Deutsche Bank |
Mackenzie Aron | Zelman |
Bose George | KBW |
Randy Binner | B. Riley |
Mihir Bhatia | Bank of America Merrill Lynch |
Good day, ladies and gentlemen, and welcome to the MGIC Investment Corporation Second Quarter Earnings Call. At this time all participants are in a listen only mode. Later we will conduct a question and answer session and instruction will be given at that time. [Operator Instructions] As a reminder this call is being recorded. I would now like to turn the conference over to Mike Zimmerman, Senior Vice President Investor Relations.