Tamara Schulz | Chief Accounting Officer |
Don Gayhardt | Chief Executive Officer |
Roger Dean | Chief Financial Officer |
John Hecht | Jefferies |
Vincent Caintic | Stephens Inc. |
John Rowan | Janney Montgomery Scott LLC |
Good day, and welcome to the CURO Holdings Third Quarter 2022 Conference Call. All participants will be in a listen-only mode. [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. Please go ahead.