Jeff Norris | executive |
Andrew Young | executive |
Richard Fairbank | executive |
Ryan Nash | analyst |
Mihir Bhatia | analyst |
Arren Cyganovich | analyst |
Richard Shane | analyst |
Donald Fandetti | analyst |
Sanjay Sakhrani | analyst |
John Pancari | analyst |
L. Erika Penala | analyst |
Dominick Gabriele | analyst |
Bill Carcache | analyst |
Good day, and thank you for standing by. Welcome to Capital One Q3, 2023 Earnings 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, Jeff Norris, Senior Vice President of Finance.
Please go ahead.