Brian Cronin | VP, IR |
Raymond Quinlan | Executive Chairman & CEO |
Steven McGarry | EVP & CFO |
Sanjay Sakhrani | KBW |
Michael Kaye | Wells Fargo Securities |
Mark DeVries | Barclays Bank |
Vincent Caintic | Stephens Inc. |
Henry Coffey | Wedbush Securities |
Moshe Orenbuch | Crédit Suisse |
Melissa Wedel | JPMorgan Chase & Co. |
Good morning. My name is Tabitha and I'll be your conference operator today. At this time, I'd like to welcome everyone to the 2019 First Quarter Sallie Mae Earnings Conference Call. [Operator Instructions]. Thank you.