Bruce Thomas | VP of IR |
Ashish Masih | President and CEO |
Jonathan Clark | EVP and CFO |
Ryan Bell | President Midland Credit Management |
Craig Buick | CEO of Cabot Credit Management |
Bob Napoli | William Blair |
David Scharf | JMP Securities |
Mark Hughes | Truist |
Mike Grondahl | Northland Securities |
Robert Dodd | Raymond James |
John Rowan | Janney |
Ladies and gentlemen, thank you for standing by. And welcome to the Encore Capital Group's Q4, 2020 Earnings Conference Call. At this time, all participants' 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.