Bruce Thomas | VP, IR |
Ashish Masih | President, CEO & Director |
Jonathan Clark | EVP, CFO & Treasurer |
Craig Buick | CEO |
Ryan Bell | President, Midland Credit Management |
Mark Hughes | Truist Securities |
Robert Napoli | William Blair & Company |
David Scharf | JMP Securities |
Michael Grondahl | Northland Capital Markets |
Robert Dodd | Raymond James & Associates |
Good day, and thank you for standing by. Welcome to the Encore Capital Group's Q3 2021 Earnings Conference Call. [Operator Instructions].
As a reminder, this conference call is being recorded. I would now like to turn the conference over to your host, Bruce Thomas, Vice President of Global Investor Relations.