Mike Zimmerman | Senior Vice President, Investor Relations |
Tim Mattke | Chief Executive Officer and Director |
Nathan Colson | Executive Vice President and Chief Financial Officer |
Sam Choe | Credit Suisse |
Bose George | KBW |
Randy Binner | B. Riley |
Jack Micenko | SIG |
Mark DeVries | Barclays |
Mihir Bhatia | Bank of America |
Geoffrey Dunn | Dowling & Partners |
Phil Stefano | Deutsche Bank |
Ladies and gentlemen, thank you for standing by, and welcome to the MGIC Investment Corporation Third Quarter Earnings Call. At this time all participants are in listen-only mode. After the speaker presentation, there will be a question-and-answer session. [Operator Instructions] And please be advised that today's conference is being recorded. [Operator Instructions] And now I would like to hand the conference over to your speaker today, Mr.