Jeff Norris | executive |
Andrew Young | executive |
Richard Fairbank | executive |
Ryan Nash | analyst |
Richard Shane | analyst |
Mihir Bhatia | analyst |
Betsy Graseck | analyst |
Sanjay Sakhrani | analyst |
Donald Fandetti | analyst |
Dominick Gabriele | analyst |
Good day, and thank you for standing by. Welcome to Capital One Q2 2023 Earnings Call. [Operator Instructions]. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Jeff Norris, Senior Vice President of Finance.