Monica Gould | IR |
David Fisher | CEO |
Steve Cunningham | CFO |
David Scharf | JMP Securities |
Vincent Caintic | Stephens Incorporated |
John Hecht | Jefferies |
John Rowan | Janney |
Hello everyone and welcome to the Enova International Fourth Quarter and Full-Year 2018 Earnings Conference Call. All participants today will be in a listen-only mode. [Operator Instructions]. After today's presentation, there will be an opportunity to ask questions. [Operator Instructions].