Jen Earyes | executive |
David L. Yowan | executive |
Joe Fisher | executive |
Sanjay Sakhrani | analyst |
Richard Shane | analyst |
William Ryan | analyst |
Arren Cyganovich | analyst |
Jeffrey Adelson | analyst |
Good day, and welcome to the Navient Third Quarter 2023 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Jen Earyes, Head of Investor Relations.