Operator Ladies and gentlemen, thank you for standing by. Welcome to the Encore Capital Group Inc Q1 2021 earnings conference call [Operator Instructions] Thank you. I'd like to turn it over to Mr. Bruce Thomas, Vice President for Investor Relations at encore. Sir, you can go ahead. Mr. Bruce Thomas -- Vice President, Investor Relations Thank you, operator. Good afternoon, and welcome to encore capital group's first quarter 2021 earnings call. Joining me on the call today are Ashish mussi, our president and chief executive officer Jonathan Clark, Executive Vice President and Chief Financial Officer Ryan Bell, president of Midland credit management. And Craig Buick, CEO of Cabot credit Management Association. JOHN will make prepared remarks today, and then we'll be happy to take your questions. unless otherwise noted, comparisons made on this conference call will be between the first quarter of 2021 and the first quarter of 2020. In addition, today's discussion will include forward looking statements are subject to risks and uncertainties.