Tamara Schulz | Chief Accounting Officer |
Don Gayhardt | Chief Executive Officer |
Roger Dean | Chief Financial Officer |
Moshe Orenbuch | Credit Suisse |
John Rowan | Janney |
John Hecht | Jefferies |
Bob Napoli | William Blair |
Good day, and welcome to the CURO Holdings Second Quarter 2022 Conference Call. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorded. I'd now like to turn the conference over to Tamara Schulz, CURO's Chief Accounting Officer.