Adam Pollitzer | Executive VP & CFO |
Bradley Shuster | Chairman & CEO |
Claudia Merkle | President |
John Swenson | VP of IR & Treasury |
Bose George | KBW |
Randy Binner | B. Riley FBR |
Phil Stefano | Deutsche Bank |
Mackenzie Aron | Zelman and Associates |
Jack Micenko | SIG |
Good day, ladies and gentlemen, and welcome to NMI Holdings Second Quarter 2018 Earnings Conference Call. [Operator Instructions] I would now like to introduce your host for today's conference, Mr. John Swenson. Sir, you may begin.
Thank you, Skyler.