Mike Zimmerman | Senior Vice President, IR |
Patrick Sinks | Chief Executive Officer |
Timothy Mattke | Chief Financial Officer |
Stephen Mackey | Chief Risk Officer |
Mark DeVries | Barclays |
Philip Stefano | Deutsche Bank |
Bose George | KBW |
Randy Binner | B. Riley FBR |
Jack Micenko | SIG |
Jordan Hymowitz | Philadelphia Financial Management |
Doug Harter | Credit Suisse |
Geoffrey Dunn | Dowling & Partners |
Mackenzie Aron | Zelman & Associates LLC |
Mihir Bhatia | Bank of America |
Ladies and gentlemen, thank you for standing by. And welcome to the MGIC Investment Corporation Third Quarter Earnings Call. All lines have been placed on mute to prevent any background noise. After the presentation, there will be a question-and-answer session [Operator Instructions] Thank you. It is now my pleasure to turn today’s program over to Mike Zimmerman.