Bruce Thomas | Vice President, Investor Relations |
Ashish Masih | President & Chief Executive Officer |
Jon Clark | Chief Financial Officer |
Craig Buick | Chief Executive Officer, Cabot Credit Management |
Ryan Bell | President, Midland Credit Management |
Mark Hughes | SunTrust |
David Scharf | JMP Securities |
Eric Hagen | KBW |
Dominick Gabriele | Oppenheimer |
Robert Dodd | Raymond James |
John Rowan | Janney |
Ladies and gentlemen, thank you for standing by, and welcome to the Encore Capital Group's Q1 2020 Earnings Conference Call. At this time, all participant lines are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded. [Operator Instructions]