...Unidentified Participant All right. Up next, we're pleased to have Bread Financial, joining us once again. Breads continue to execute on its strategy of improving its financial position by reducing leverage, building capital and managing credit in a challenging backdrop, continues to maintain a leading position in the private label business and it should be well positioned to improve returns in the coming years. Joining us, we have CEO, Ralph Andretta; and Chief Financial Officer, Perry Beberman. Ralph's going to give us a short update on the company and then we'll move to Q&A. Ralph Andretta ...