Najim Mostamand | executive |
Vikram Atal | executive |
Rakesh Sehgal | executive |
David Scharf | analyst |
Robert Napoli | analyst |
Robert Dodd | analyst |
Mark Hughes | analyst |
Good afternoon, and welcome to the PRA Group's Third Quarter 2023 Conference Call. All participants will be in listen only mode. [Operator Instructions]. I would now like to turn the conference over to Mr. Najim Mostamand, Vice President of Investor Relations for PRA Group.