John Damian | Senior Vice President of Corporate Development and Investor Relations |
Rick Thornberry | CEO and Director |
Sumita Pandit | CFO and Senior EVP |
Derek Brummer | President of Mortgage |
Bose George | KBW |
Doug Harter | Credit Suisse |
Mihir Bhatia | Bank of America |
Good day, and thank you for standing by. Welcome to Radian Group's Second Quarter 2023 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers presentation there will be a question and answer session. [Operator Instructions] Please be advised that today's conference is being recorded.