Mike Zimmerman | Senior Vice President of Investor Relations |
Tim Mattke | Chief Executive Officer |
Nathan Colson | Chief Financial Officer |
Douglas Harter | Credit Suisse |
Cullen Johnson | B. Riley Securities |
Mark DeVries | Barclays |
Bose George | KBW |
Mihir Bhatia | Bank of America |
Geoffrey Dunn | Dowling & Partners |
Ryan Gilbert | BTIG |
Ladies and gentlemen, thank you for standing by and welcome to the MGIC Investment Corporation Fourth Quarter 2021 Earnings Call. At this time, all lines have been placed on mute to prevent any background noise. At the end of today's presentation, we will have a question-and-answer session. [Operator Instructions] I would now like to hand the conference over to Mike Zimmerman. Please go ahead.