John Damian | IR |
Rick Thornberry | CEO |
Frank Hall | CFO |
Derek Brummer | President, Radian Mortgage |
Mark DeVries | Barclays |
Mihir Bhatia | Bank of America |
Doug Harter | Credit Suisse |
Bose George | KBW |
Ryan Gilbert | BTIG |
Geoffrey Dunn | Dowling |
Cullen Johnson | B. Riley Securities |
Good morning, and welcome to Radian's Fourth Quarter 2021 Earnings Call. My name is Brandon, and I'll be your operator for today. [Operator Instructions] Please note, this conference is being recorded. I will now turn it over to John Damian. And John, you may begin.