Jon Witter | CEO |
Steve McGarry | EVP and CFO |
Brian Cronin | VP, IR |
Michael Kaye | Wells Fargo |
Moshe Orenbuch | Credit Suisse |
Steven Kwok | Keefe, Bruyette & Woods |
Vincent Caintic | Stephens |
Melissa Wedel | JPMorgan |
Ladies and gentlemen, thank you for standing by, and welcome to the 2022 Q1 Sallie Mae Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions]. I would now like to turn the call over to your host, Brian Cronin, Vice President, Investor Relations.