NMI Holdings Inc (NMIH) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.835 Good afternoon and welcome to the NMI Holdings, Inc. 00:00:03.835 -- 00:00:07.760 Third Quarter 2025 Earnings Conference Call. 00:00:07.760 -- 00:00:11.163 All participants will be in listen-only mode. 00:00:11.163 -- 00:00:16.049 Should you need assistance, please signal a conference specialist by pressing the star 00:00:16.049 -- 00:00:18.692 key followed by zero. 00:00:18.692 -- 00:00:23.076 After today's presentation, there will be an opportunity to ask questions. 00:00:23.076 -- 00:00:28.027 To ask a question, you may press star then one on your telephone keypad. 00:00:28.027 -- 00:00:32.273 To withdraw your question, please press star, then two. 00:00:32.273 -- 00:00:36.018 Please note, this event is being recorded. 00:00:36.018 -- 00:00:39.162 I would now like to turn the conference over to John Swenson of Management. 00:00:39.162 -- 00:00:41.602 Please go ahead. 00:00:42.226 -- 00:00:47.292 Thank you, Gary. Good afternoon, and welcome to the 2025 Third Quarter Conference Call 00:00:47.292 -- 00:00:53.240 for National MI. I'm John Swenson, Vice President of Investor Relations and Treasury. 00:00:53.240 -- 00:00:58.568 Joining us on the call today are Brad Schuster, Executive Chairman, Adam Pollitzer, 00:00:58.568 -- 00:01:04.853 President and Chief Executive Officer, and Aurora Swithin Bank, our Chief Financial Officer. 00:01:05.076 -- 00:01:08.941 Financial results for the quarter were released after the close today. 00:01:08.941 -- 00:01:14.249 Press release may be accessed on NMI's website located at nationalmi.com under the Investors 00:01:14.249 -- 00:01:15.891 tab. 00:01:15.891 -- 00:01:20.898 During the course of this call, we may make comments about our expectations for the future. 00:01:20.898 -- 00:01:24.442 Actual...