Najim Mostamand | executive |
Vikram Atal | executive |
Rakesh Sehgal | executive |
David Scharf | analyst |
Mark Hughes | analyst |
John Rowan | analyst |
Robert Dodd | analyst |
Good evening, and welcome to the PRA Group's Fourth Quarter and Full Year 2023 Conference Call. [Operator Instructions] Please note this event is being recorded.I would now like to turn the conference over to Mr. Najim Mostamand, Vice President, Investor Relations for PRA Group. Please go ahead.
Thank you.