Brian Cronin | VP, IR |
Raymond Quinlan | CEO |
Steven McGarry | CFO |
Michael Kaye | Wells Fargo |
Mark DeVries | Barclays |
Vincent Caintic | Stephens |
John Hecht | Jefferies |
Henry Coffey | Wedbush |
Moshe Orenbuch | Credit Suisse |
Good morning. My name is Lisa and I'll be your conference operator today. At this time, I'd like to welcome everyone to the 2019, Q3, Sallie Mae Earnings Conference Call. [Operator Instructions]
Thank you.