Richard Thornberry | Chief Executive Officer |
Franklin Hall | Senior Executive Vice President, Chief Financial Officer |
Derek Brummer | Senior Executive Vice President, Mortgage Insurance, Risk Services |
Emily Riley | Senior Vice President, Corporate Communications and Investor Relations |
Randy Binner | B. Riley FBR |
Mark DeVries | Barclays |
Bose George | KBW |
Douglas Harter | Credit Suisse |
Phil Stefano | Deutsche Bank |
Jack Micenko | SIG |
Chris Gamaitoni | Compass Point |
Mihir Bhatia | Bank of America Merrill Lynch |
Geoffrey Dunn | Dowling & Partners |
Ladies and gentlemen, thank you for standing by, and welcome to the Radian 2018 fourth quarter earnings call. [Operator Instructions] As a reminder, today’s conference is being recorded. I’d now like to turn the conference over to our host Ms. Emily Riley, Senior Vice President of Investor Relations and Corporate Communications. Please go ahead.