Melissa Bronaugh | executive |
Jonathan Witter | executive |
Peter Graham | executive |
Moshe Orenbuch | analyst |
Sanjay Sakhrani | analyst |
Mark DeVries | analyst |
Terry Ma | analyst |
Michael Kaye | analyst |
Jeffrey Adelson | analyst |
Richard Shane | analyst |
John Hecht | analyst |
Jon Arfstrom | analyst |
Good day, everyone, and welcome to the Sallie Mae Second Quarter 2024 Earnings Conference Call. [Operator Instructions] The floor will be opened for your questions following the prepared remarks. [Operator Instructions]. And now at this time, I would like to turn things over to Melissa Bronaugh of Investor Relations. Please go ahead, ma'am.
Thank you, Bo.