Emily Riley | Senior Vice President-Investor Relations |
Rick Thornberry | Chief Executive Officer |
Frank Hall | Chief Financial Officer. |
Derek Brummer | Senior EVP-Mortgage Insurance and Risk Services |
Jack Micenko | SIG |
Geoffrey Dunn | Dowling & Partners |
Mark DeVries | Barclays |
Bose George | KBW |
Doug Harter | Credit Suisse |
Chris Gamaitoni | Compass Point |
Mihir Bhatia | Bank of America Merrill Lynch |
Mackenzie Aron | Zelman & Associates |
Phil Stefano | Deutsche Bank |
Ladies and gentlemen, thank you for standing by and welcome to the Radian Second Quarter 2019 Earnings Conference Call. At this time all participants are in a listen-only mode. Later we'll conduct a question-and-answer session. Instructions will be given at that time. [Operator Instructions]