...So good afternoon, everyone. Thank you for joining us. For those who haven't met, I'm Mihir Bhatia. I cover consumer finance, specialty payment companies here at Bank of America. Here, we have Enact Holdings. Enact is a mortgage insurance company that was spun out of Genworth. We're very pleased to be joined by the CEO, Rohit; and CFO, Dean. In terms of the format, what we'll do is Rohit is going to kick it off with some introductory remarks. Then I have a few prepared questions I'll ask, and then we can save some time for audience questions at the end. So why don't we kick it off with, firstly Rohit and Dean, thank you for joining us. But Rohit, if you want to kick it off with your... Rohit Gupta ...