Bruce Thomas | VP, IR |
Ashish Masih | President and CEO |
Jonathan C. Clark | EVP and Chief Financial Officer |
Craig Buick | CEO, Cabot Credit Management Group |
Ryan Bell | President, Midland Credit Management |
Mark Hughes | Truist Securities |
Michael Grondahl | Northland Capital Markets |
Spencer James | William Blair |
Robert Dodd | Raymond James |
Good day. Thank you for standing by, and welcome to the Encore Capital Group's Q1 2022 Earnings Conference Call. At this time all participants are in a listen-only mode. After the speaker’s presentation there will be a question-and-answer session. [Operator Instructions].