Mike Zimmerman | Senior Vice President, Investor Relations |
Pat Sinks | President, Chief Executive Officer, Chief Operating Officer, Director |
Tim Mattke | Chief Financial Officer, Executive Vice President |
Steve Mackey | Executive Vice President, Chief Risk Officer |
Mark DeVries | Barclays |
Jack Micenko | SIG |
Geoffrey Dunn | Dowling & Partners |
Douglas Harter | Credit Suisse |
Randy Binner | FBR |
Bose George | KBW |
Mihir Bhatia | Bank of America |
Chris Gamaitoni | Compass Point |
Phil Stefano | Deutsche Bank |
Good morning. Thank you for standing by. At this time, we would like to welcome everyone to the MGIC Investment Corporation third quarter earnings call. All lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer session.