Gabrielle Rabinovitch | Acting Chief Financial Officer and SVP, Investor Relations and Treasurer |
Daniel Schulman | President and Chief Executive Officer |
James Fossett | Morgan Stanley |
Jason Kupferberg | Bank of America Merrill Lynch |
Colin Sebastian | Baird |
Darrin Peller | Wolfe Research |
Lisa Ellis | MoffettNathanson |
Tien-Tsin Huang | JPMorgan |
David Togut | Evercore ISI |
Good evening. My name is Briana, and I will be your conference operator for today. At this time, I would like to welcome everyone to PayPal Holdings' Earnings Conference Call for the Third Quarter 2022. [Operator Instructions]. Thank you.