John Swenson | Investor Relations |
Brad Shuster | Executive Chairman |
Adam Pollitzer | President and Chief Executive Officer |
Ravi Mallela | Chief Financial Officer |
Nick Realmuto | Controller |
Mark DeVries | Barclays |
Rick Shane | JPMorgan |
Doug Harter | Credit Suisse |
Bose George | KBW |
Mark Hughes | Truist |
Geoffrey Dunn | Dowling & Partners |
Hello and welcome to the NMI Holdings, Inc.
Third Quarter 2022 Earnings Conference Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to John Swenson. Please go ahead, John.