Robert Beck | executive |
Harpreet Rana | executive |
John Hecht | analyst |
Zachary Oster | analyst |
William Dezellem | analyst |
John Rowan | analyst |
Thank you for standing by. This is the conference operator. Welcome to the Regional Management Fourth Quarter 2023 Earnings Call. [Operator Instructions] The conference is being recorded. [Operator Instructions]I would now like to turn the conference over to Garrett Edson, ICR.