Dianna Higgins | executive |
Timothy Mattke | executive |
Nathaniel Colson | executive |
Bose George | analyst |
Terry Ma | analyst |
Geoffrey Dunn | analyst |
Eric Hagen | analyst |
Mihir Bhatia | analyst |
Ladies and gentlemen, thank you for standing by. Welcome to the MGIC Investment Corporation Fourth Quarter 2023 Earnings Call. [Operator Instructions]. I will now turn the conference over to Dianna Higgins, Head of Investor Relations. Please go ahead.