Najim Mostamand | executive |
Vikram Atal | executive |
Rakesh Sehgal | executive |
David Scharf | analyst |
Mark Hughes | analyst |
Robert Dodd | analyst |
Good evening, and welcome to PRA Group's First Quarter 2024 Conference Call. [Operator Instructions] Please note that this event is being recorded.I would now like to turn the call over to Mr. Najim Mostamand, Vice President, Investor Relations for PRA Group. Thank you. Please go ahead.