Michael Zimmerman | SVP, IR |
Timothy Mattke | CEO & Director |
Nathaniel Colson | EVP & CFO |
John Micenko | Susquehanna Financial Group |
Douglas Harter | Crédit Suisse |
Geoffrey Dunn | Dowling & Partners Securities |
Bose George | KBW |
Mark DeVries | Barclays Bank |
Adam Starr | Gulfside Asset Management |
Philip Stefano | Deutsche Bank |
Mihir Bhatia | Bank of America Merrill Lynch |
Ladies and gentlemen, thank you for standing by, and welcome to the MGIC Investment Corporation Second Quarter Earnings Call. [Operator Instructions]. I'd now like to hand the conference over to your speaker today, Mr. Mike Zimmerman. Please go ahead.