Jeff Norris | SVP, Global Finance |
Andrew Young | CFO |
Richard Fairbank | Founder, Chairman, CEO & President |
Moshe Orenbuch | Crédit Suisse |
Betsy Graseck | Morgan Stanley |
Richard Shane | JPMorgan Chase & Co. |
Bill Carcache | Wolfe Research |
Ryan Nash | Goldman Sachs Group |
Sanjay Sakhrani | KBW |
Donald Fandetti | Wells Fargo Securities |
John Hecht | Jefferies |
John Pancari | Evercore ISI |
Welcome to the Capital One Fourth Quarter 2021 Earnings Conference Call. [Operator Instructions]. I would now like to turn the call over to Mr. Jeff Norris, Senior Vice President of Global Finance. Sir, you may begin.