Bruce Thomas | Vice President of Investor Relations |
Ashish Masih | President and Chief Executive Officer |
Jonathan Clark | Executive Vice President and Chief Financial Officer |
Kenneth Stannard | Chief Financial Officer of Cabot Credit Management |
Eric Hagen | KBW |
David Scharf | JMP Securities |
Hugh Miller | Buckingham Research Group |
Mark Hughes | SunTrust |
Brian Hogan | William Blair |
Robert Dodd | Raymond James |
John Rowan | Janney Montgomery Scott |
Dominick Gabriele | Oppenheimer & Company |
Good day, ladies and gentlemen, and welcome to the Encore's Fourth Quarter and Full Year 2018 Earnings Conference Call. [Operator Instructions] As a reminder, this conference is being recorded. I would now like to introduce your host for today's conference, Vice President of Investor Relations, Bruce Thomas. Mr. Thomas, you may begin.