John Swenson | executive |
Bradley Shuster | executive |
Adam Pollitzer | executive |
Aurora Swithenbank | executive |
Douglas Harter | analyst |
Mihir Bhatia | analyst |
Richard Shane | analyst |
Bose George | analyst |
Soham Bhonsle | analyst |
Mark Hughes | analyst |
Scott Heleniak | analyst |
Good day, and welcome to the NMI Holdings Second Quarter 2024 Earnings Conference Call. [Operator Instructions]. Please note this call is being recorded.
I would now like to turn the conference over to Mr. John Swenson of management.