Operator Good day, and welcome to the Upstart Q1 FY 2021 earnings call. Today's conference is being recorded. At this time, I would like to turn the conference over to Mr. Jason Schmidt, head of investor relations. Please go ahead, sir. Head of Investor Relations Good afternoon, and thank you for joining us on today's conference call to discuss Upstart's first-quarter 2021 financial results. With us on today's call are Dave Girouard, Upstart's chief executive officer; and Sanjay Datta, our chief financial officer. Before we begin, I wanted to remind you that shortly after the market close today, Upstart issued a press release announcing its first-quarter 2021 financial results and published an investor relations presentation. Both are available on our investor relations website, ir.upstart.com.