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  <xsd:import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/dei/2014-01-31" schemaLocation="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/invest/2013-01-31" schemaLocation="http://xbrl.sec.gov/invest/2013/invest-2013-01-31.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xsd:import namespace="http://fasb.org/us-gaap/2014-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2014/elts/us-gaap-2014-01-31.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/country/2013-01-31" schemaLocation="http://xbrl.sec.gov/country/2013/country-2013-01-31.xsd" />
  <xsd:element name="DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" id="esnt_DeferredTaxLiabilitiesTaxDeferredExpenseReservesAndAccrualsAccruedLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePriorYears" id="esnt_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpensePriorYears" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CommonClassB2Member" id="esnt_CommonClassB2Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherUnderwritingAndOperatingExpenses" id="esnt_OtherUnderwritingAndOperatingExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DocumentAndEntityInformation" id="esnt_DocumentAndEntityInformation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxAssetsStartUpExpensesNet" id="esnt_DeferredTaxAssetsStartUpExpensesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxAssetsOrganizationalExpenses" id="esnt_DeferredTaxAssetsOrganizationalExpenses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="StatutoryAccountingDisclosureAbstract" id="esnt_StatutoryAccountingDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StatutoryAccountingDisclosureTextBlock" id="esnt_StatutoryAccountingDisclosureTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <element id="esnt_EssentGuarantyIncMember" name="EssentGuarantyIncMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema" />
  <element id="esnt_EssentGuarantyOfPAIncMember" name="EssentGuarantyOfPAIncMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema" />
  <xsd:element name="StatutoryAccountingPracticesStatutorySurplusBalance" id="esnt_StatutoryAccountingPracticesStatutorySurplusBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="StatutoryAccountingPracticesStatutoryContingencyReserveLiability" id="esnt_StatutoryAccountingPracticesStatutoryContingencyReserveLiability" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="StatutoryAccountingPracticesIncreaseDecreaseInContingencyReserve" id="esnt_StatutoryAccountingPracticesIncreaseDecreaseInContingencyReserve" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfNatureOfOperationsAndBasisOfPresentationTable" id="esnt_ScheduleOfNatureOfOperationsAndBasisOfPresentationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfNatureOfOperationsAndBasisOfPresentationLineItems" id="esnt_ScheduleOfNatureOfOperationsAndBasisOfPresentationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GrantDateVestingMember" id="esnt_GrantDateVestingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfLoansInDefault" id="esnt_NumberOfLoansInDefault" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="AccumulatedOtherComprehensiveIncomeLossTaxEffectRollForward" id="esnt_AccumulatedOtherComprehensiveIncomeLossTaxEffectRollForward" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AccumulatedOtherComprehensiveIncomeLossTax" id="esnt_AccumulatedOtherComprehensiveIncomeLossTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="IncomeTaxesLineItems" id="esnt_IncomeTaxesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxesTable" id="esnt_IncomeTaxesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfSharesEarnedUnvestedPerformanceSharesTableTextBlock" id="esnt_ScheduleOfSharesEarnedUnvestedPerformanceSharesTableTextBlock" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationAtWeightedAverageStatutoryIncomeTaxRate" id="esnt_EffectiveIncomeTaxRateReconciliationAtWeightedAverageStatutoryIncomeTaxRate" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateNondeductibleExpense" id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateNondeductibleExpense" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateTaxExemptIncome" id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateTaxExemptIncome" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateChangeInDeferredTaxAssetsValuationAllowance" id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateChangeInDeferredTaxAssetsValuationAllowance" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateOtherAdjustments" id="esnt_EffectiveIncomeTaxRateReconciliationWeightedAverageStatutoryIncomeTaxRateOtherAdjustments" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EmployeeMember" id="esnt_EmployeeMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CompoundedAnnualBookValuePerShareGrowthAchieved11PercentMember" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved11PercentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CompoundedAnnualBookValuePerShareGrowthAchieved12PercentMember" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved12PercentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CompoundedAnnualBookValuePerShareGrowthAchieved13PercentMember" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved13PercentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CompoundedAnnualBookValuePerShareGrowthAchieved14PercentMember" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved14PercentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CompoundedAnnualBookValuePerShareGrowthAchieved15PercentMember" id="esnt_CompoundedAnnualBookValuePerShareGrowthAchieved15PercentMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StockConversionRatio" id="esnt_StockConversionRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EssentGroupLimited2013LongTermIncentivePlanMember" id="esnt_EssentGroupLimited2013LongTermIncentivePlanMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VestingBasedOnServiceAndPerformanceMember" id="esnt_VestingBasedOnServiceAndPerformanceMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VestingBasedOnServiceMember" id="esnt_VestingBasedOnServiceMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CompoundedAnnualBookValuePerShareGrowthRate" id="esnt_CompoundedAnnualBookValuePerShareGrowthRate" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate" id="esnt_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtWeightedAverageIncomeTaxRate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateNondeductibleExpense" id="esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateNondeductibleExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateTaxExemptIncome" id="esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateTaxExemptIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateValuationAllowance" id="esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateValuationAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateOtherAdjustments" id="esnt_IncomeTaxReconciliationAtWeightedAverageIncomeTaxRateOtherAdjustments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxLiabilitiesContingencyReserves" id="esnt_DeferredTaxLiabilitiesContingencyReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="IncomeTaxReconciliationAtEstimatedWeightedAverageIncomeTaxRateAndActualWeightedAverageIncomeTaxRateDifference" id="esnt_IncomeTaxReconciliationAtEstimatedWeightedAverageIncomeTaxRateAndActualWeightedAverageIncomeTaxRateDifference" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationEstimatedWeightedAverageStatutoryIncomeTaxRateAndActualWeightedAverageStatutoryIncomeTaxRateDifference" id="esnt_EffectiveIncomeTaxRateReconciliationEstimatedWeightedAverageStatutoryIncomeTaxRateAndActualWeightedAverageStatutoryIncomeTaxRateDifference" type="num:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <element id="esnt_ScheduleOfEffectiveIncomeTaxRateReconciliationAtWeightedAverageIncomeTaxRateTableTextBlock" name="ScheduleOfEffectiveIncomeTaxRateReconciliationAtWeightedAverageIncomeTaxRateTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema" />
  <xsd:element name="CommonClassAAndClassB2Member" id="esnt_CommonClassAAndClassB2Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" id="esnt_MortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" id="esnt_IncreaseDecreaseInMortgageGuarantyInsurerUnitedStatesMortgageGuarantyTaxAndLossBonds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="SpecialRevenueMunicipalBondsMember" id="esnt_SpecialRevenueMunicipalBondsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="GeneralObligationMunicipalBondsMember" id="esnt_GeneralObligationMunicipalBondsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TaxAllocationMunicipalBondsMember" id="esnt_TaxAllocationMunicipalBondsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element id="esnt_AmountOfUnitedStatesMortgageGuarantyTaxAndLossBondsPurchasedSinceInception" name="AmountOfUnitedStatesMortgageGuarantyTaxAndLossBondsPurchasedSinceInception" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" xmlns="http://www.w3.org/2001/XMLSchema" />
  <xsd:element name="VestingCriteriaAxis" id="esnt_VestingCriteriaAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VestingCriteriaDomain" id="esnt_VestingCriteriaDomain" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FirstAnniversaryOfCompletionOfPerformancePeriodVestingMember" id="esnt_FirstAnniversaryOfCompletionOfPerformancePeriodVestingMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OperatingLeasesFutureMinimumPaymentsDueInFiveYearsAndThereafter" id="esnt_OperatingLeasesFutureMinimumPaymentsDueInFiveYearsAndThereafter" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CertificationOfParticipationBondsMember" id="esnt_CertificationOfParticipationBondsMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element id="esnt_LoansAndLeasesReceivableConsumerMortgageInsuredDownPaymentPercentage" name="LoansAndLeasesReceivableConsumerMortgageInsuredDownPaymentPercentage" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema" />
  <element id="esnt_EssentReinsuranceLtdMember" name="EssentReinsuranceLtdMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema" />
  <xsd:element name="QuotaShareReinsuranceTransactionMember" id="esnt_QuotaShareReinsuranceTransactionMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element id="esnt_RepaymentsOfContractualObligationsToSeller" name="RepaymentsOfContractualObligationsToSeller" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" xmlns="http://www.w3.org/2001/XMLSchema" />
  <element id="esnt_SpecialAssessmentBondMember" name="SpecialAssessmentBondMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema" />
  <element id="esnt_FreddieMacAgencyCreditInsuranceStructureInsurancePolicyMember" name="FreddieMacAgencyCreditInsuranceStructureInsurancePolicyMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema" />
  <element id="esnt_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardPeriodToDateVestingRightsPercentage" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardPeriodToDateVestingRightsPercentage" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema" />
  <element id="esnt_StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApprovalDividendPaymentPeriod" name="StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApprovalDividendPaymentPeriod" nillable="true" type="xbrli:durationItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema" />
  <element id="esnt_StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApprovalPreviousFiscalYearEndStatutoryPolicyholdersSurplusPercentage" name="StatutoryAccountingPracticesStatutoryAmountAvailableForDividendPaymentsWithoutRegulatoryApprovalPreviousFiscalYearEndStatutoryPolicyholdersSurplusPercentage" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xmlns="http://www.w3.org/2001/XMLSchema" />
  <element id="esnt_EssentUsHoldingsIncMember" name="EssentUsHoldingsIncMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xmlns="http://www.w3.org/2001/XMLSchema" />
</xsd:schema>
