Bruce Thomas | VP, IR |
Ashish Masih | President and CEO |
Jonathan Clark | EVP and CFO |
Paul Grinberg | President, International Business |
Mark Hughes | SunTrust |
John Rowan | Janney |
David Schraf | JMP Securities |
Bose George | KBW |
Brian Hogan | William Blair |
Robert Dodd | Raymond James |
Good day, ladies and gentlemen. Welcome to the Encore Capital Group's Fourth Quarter 2017 Conference Call. At this time, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session and instructions will be given at that time. [Operator Instructions] I would now like to introduce your host for today's conference, Mr.