Melissa Bronaugh | executive |
Jonathan Witter | executive |
Steven McGarry | executive |
Peter Graham | executive |
Michael Kaye | analyst |
Sanjay Sakhrani | analyst |
Richard Shane | analyst |
Jeffrey Adelson | analyst |
Arren Cyganovich | analyst |
Jordon Hymowitz | analyst |
Good day, and thank you for standing by. Welcome to the Third Quarter 2023 Sallie Mae 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, Melissa Bronaugh. Please go ahead.