Robert Beck | executive |
Harpreet Rana | executive |
John Hecht | analyst |
Vincent Caintic | analyst |
William Dezellem | analyst |
Thank you for standing by. This is the conference operator. Welcome to the Regional Management Third Quarter 2023 Earnings Conference Call. [Operator Instructions] And the conference is being recorded. [Operator Instructions] I would now like to turn the conference over to Garrett Edson with ICR.