John Damian | SVP of IR |
Rick Thornberry | CEO |
Frank Hall | CFO |
Derek Brummer | President of Radian Mortgage |
Jack Micenko | SIG |
Bose George | KBW |
Mihir Bhatia | Bank of America |
Douglas Harter | Credit Suisse |
Welcome to Radian's Second Quarter 2020 Earnings Call. My name is Sylvia and I'll be your operator for today's call. At this time, all participants are in a listen-only mode, later we will conduct a question-and-answer session. [Operator Instructions] Please note that this conference is being recorded. I will now turn the call over to John Damian, Senior Vice President of Investor Relation.