Operator Good day and welcome to the NMI Holdings, Inc. First Quarter 2021 Earnings Conference Call. [Operator Instructions] And I'd like to turn the conference over to your host, Mr. John Swenson. Please go ahead, sir. John Swenson -- Vice President, Investor Relations and Treasury Thank you, Angela. Good afternoon and welcome to our 2021 First Quarter Conference call for National MI. I'm John Swenson, Vice President of Investor Relations and treasury. Joining us on the call today are Brad Shuster, Executive Chairman, Claudia Merkle, CEO, Adam Pollitzer, our Chief Financial Officer, and Julie Norberg, our Controller. Financial results for the quarter were released after the close today. The press release may be accessed on NMI's website located at nationalmi.com under the Investors tab.