Nicholas Panarese | executive |
Douglas Clark | executive |
Ismail Dawood | executive |
John Hecht | analyst |
Good morning, and welcome to the CURO Group Holdings Third Quarter 2023 Conference Call. [Operator Instructions] Please note that this event is being recoded. I would now like to turn the conference over to Nick Panarese, Head of Investor Relations. Please go ahead.
Thank you, and good morning.