Joe Fisher | Executive Vice President & Chief Financial Officer |
Jack Remondi | President & Chief Executive Officer |
John Hecht | Jefferies |
Mark DeVries | Barclays |
Moshe Orenbuch | Credit Suisse |
Sanjay Sakhrani | KBW |
Bill Ryan | Seaport Research |
Courtney Bahlman | Barclays |
Good morning, ladies and gentlemen. Thank you for standing by and welcome to Navient Second Quarter 2022 Earnings Conference Call. [Operator Instructions] Please be advised that today's conference may be recorded. I would now like to turn the conference over to speaker host, Jen Ines [ph]. Please go ahead.