Operator: Ladies and gentlemen, thank you for standing by. Welcome to the American Express Q2 2023 Earnings Call. At this time, all participants are in a listen-only mode.
Operator: Good day, and thank you for standing by. Welcome to the Second Quarter 2023 Ally Financial Earnings Conference Call. At this time, all participants are in a listen-only mode.
Operator: Welcome to Claros Mortgage Trust First Quarter 2023 Earnings Conference Call. My name is Alicia, and I will be your conference facilitator today. .