Emily Riley | Senior Vice President of Investor Relations |
Richard Thornberry | Chief Executive Officer |
Franklin Hall | Senior Executive Vice President, Chief Financial Officer |
Derek Brummer | Senior Executive Vice President, Mortgage Insurance, Risk Services |
Phil Stefano | Deutsche Bank |
Sam Choe | Credit Suisse |
Chris Gamaitoni | Compass Point |
Mackenzie Aron | Zelman & Associates |
Jack Micenko | SIG |
Mark DeVries | Barclays |
Mihir Bhatia | Bank of America Merrill Lynch |
Geoffrey Dunn | Dowling & Partners |
Ladies and gentlemen, thank you for standing by, welcome to the Radian Group First Quarter 2019 Earnings Call. [Operator Instructions] As a reminder, today's call is being recorded. I'll turn the conference now to Ms. Emily Riley, Senior Vice President of Investor Relations. Please go ahead.