Bruce Thomas | VP, Global Investor Relations |
Ashish Masih | President and CEO |
Jonathan Clark | CFO |
Craig Buick | CEO of Cabot Credit Management |
Ryan Bell | President, Midland Credit Management, Inc. |
David Scharf | JMP Securities |
Mike Grondahl | Northland Capital |
Mark Hughes | Truist Securities |
Robert Dodd | Raymond James |
Good day, and thank you for standing by. Welcome to the Encore Capital Group's Quarter Second 2021 Earnings Conference Call. [Operator Instructions] I would now like to hand the conference over to your first speaker today, Mr. Bruce Thomas, Vice President of Investor Relations for Encore. Sir, please go ahead.