Lauren Partin | Vice President of Global Financial Planning & Analysis |
Kevin Stevenson | President & Chief Executive Officer |
Peter Graham | Executive Vice President & Chief Financial Officer |
Bob Napoli | William Blair |
Mark Hughes | Truist Securities |
Robert Dodd | Raymond James |
David Scharf | JMP Securities |
Good afternoon, and welcome to the PRA Group conference call. [Operator Instructions] Note, this event is being recorded. I would now like to turn the conference over to Ms. Lauren Partin, Senior Vice President of Finance and Investor Relations for PRA Group. Please go ahead.