Jen Earyes | executive |
David L. Yowan | executive |
Edward Bramson | executive |
Joe Fisher | executive |
Mark DeVries | analyst |
Arren Cyganovich | analyst |
Moshe Orenbuch | analyst |
William Ryan | analyst |
Sanjay Sakhrani | analyst |
John Hecht | analyst |
Richard Shane | analyst |
Jeffrey Adelson | analyst |
Good day, and thank you for standing by. Welcome to the Navient Strategy Update and Fourth Quarter 2023 Earnings Conference Call. [Operator Instructions] Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Jen Earyes, Vice President, Investor Relations. Please go ahead.