Bruce Thomas | Vice President, Global Investor Relations |
Ashish Masih | President & Chief Executive Officer |
Jonathan Clark | Executive Vice President & Chief Financial Officer |
Ryan Bell | President, Midland Credit Management |
Craig Buick | Chief Executive Officer, Cabot Credit Management |
David Scharf | JMP Securities |
Mark Hughes | Truist |
Mike Grondahl | Northland Securities |
Robert Dodd | Raymond James |
Spencer James | William Blair |
John Rowan | Janney |
Good day and thank you for standing by. Welcome to the Encore Capital Group's Q4 2021 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] Today's conference is being recorded.