John Swenson | executive |
Bradley Shuster | executive |
Adam Pollitzer | executive |
Ravi Mallela | executive |
Richard Shane | analyst |
Bose George | analyst |
Eric Hagen | analyst |
Geoffrey Dunn | analyst |
Good day, and welcome to the NMI Holdings Third Quarter 2023 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Mr. John Swenson. Please go ahead.