Essent Group Ltd. (NYSE:ESNT) Q4 2022 Earnings Conference Call February 10, 2023 10:00 AM ET Company Participants Phil Stefano - Vice President-Investor Relations Mark Casale - Chairman and Chief Executive Officer Dave Weinstock - Interim Chief Financial Officer Chris Curran - President-Essent Guaranty Conference Call Participants Mark DeVries - Barclays Rick Shane - JPMorgan Mihir Bhatia - Bank of America Bose George - Keefe, Bruyette, &Woods Geoffrey Dunn - Dowling & Partners Operator Good morning, my nam ...