Emily Riley | Senior Vice President-Investor Relations |
Rick Thornberry | Chief Executive Officer |
Frank Hall | Chief Financial Officer. |
Derek Brummer | Senior EVP-Mortgage Insurance and Risk Services |
Mihir Bhatia | Bank of America Merrill Lynch |
Jack Micenko | SIG |
Bose George | KBW |
Mackenzie Aron | Zelman & Associates |
Mark DeVries | Barclays |
Phil Stefano | Deutsche Bank |
Geoffrey Dunn | Dowling & Partners |
Sam Cho | Credit Suisse |
Ladies and gentlemen, thank you for standing by and welcome to Radian Third Quarter 2019 Earnings Conference Call. At this time all participants are in a listen-only mode. Later will be an opportunity for your questions. [Operator Instructions] Just a brief reminder today's conference is being recorded.
I would now like to turn the conference over to Senior Vice President of Investor Relations, Emily Riley.