Maura Cyr | executive |
Anthony Noto | executive |
Chris Lapointe | executive |
John Hecht | analyst |
Andrew Jeffrey | analyst |
Reginald Smith | analyst |
Dan Dolev | analyst |
Jeffrey Adelson | analyst |
Michael Ng | analyst |
Vincent Caintic | analyst |
Dominick Gabriele | analyst |
Good morning. My name is Daisy, and I'll be your conference operator today. At this time, I would like to welcome everyone to the SoFi Technologies Q4 2023 and Full Year 2023 Earnings Conference Call. Operator Instructions] Thank you.
With that, you may begin your conference.