Mike Zimmerman | SVP, IR |
Tim Mattke | CEO |
Nathan Colson | CFO |
Mark DeVries | Barclays |
Doug Harter | Credit Suisse |
Jack Micenko | SIG |
Randy Binner | B. Riley |
Bose George | KBW |
Giuliano Bologna | Compass Point |
Mihir Bhatia | Bank of America |
Phil Stefano | Deutsche Bank |
Ladies and gentlemen, thank you for standing by. Welcome to MGIC Investment Corporation's Fourth Quarter 2020 Earnings Conference Call. At this time, all participants are in listen-only mode. After the speakers’ remarks, there will be a question-and-answer session. [Operator Instructions] Thank you.