Joe Fisher | Vice President of Investor Relations |
Jack Remondi | President and Chief Executive Officer |
Christian Lown | Executive Vice President and Chief Financial Officer |
Sanjay Sakhrani | Keefe, Bruyette & Woods |
Leon Cooperman | Omega Family Office |
John Hecht | Jefferies |
Mark Hammond | Bank of America Merrill Lynch |
Mark DeVries | Barclays Capital |
Richard Shane | J.P. Morgan |
Moshe Orenbuch | Credit Suisse |
Henry Coffey | Wedbush Securities Inc. |
William Ryan | Compass Point Research |
Peter Troisi | Barclays |
Dominick Gabriele | Oppenheimer |
Thank you for standing by and welcome to the Navient Third Quarter 2019 Earnings Conference Call. At this time, all participants are in a listen-only mode. Please be advised that today’s conference is being recorded. After the speakers' remarks -- after the speakers' presentation, there will be a question-and-answer session. [Operator Instructions].