Operator: Ladies and gentlemen, thank you for standing by. Welcome to the MetLife Fourth Quarter and Full Year 2022 Earnings and Outlook Conference Call.
Operator: Good morning, and welcome to Spotify s Fourth Quarter 2022 Earnings Conference Call and Webcast. All participants are now in a listen-only mode.
Operator: Ladies and gentlemen, good morning. Welcome to the fourth quarter 2022 results presentation. The conference must not be recorded for publication or broadcast. .
Operator: Good morning. My name is Devon, and I will be your conference operator today. At this time, I would like to welcome everyone to the Q4 2022 CSG Systems International Inc.
Operator: Welcome to the Northeast Bank Second Quarter FY 2023 Earnings Call. My name is Kevin, and I ll be your operator for today s call. This call is being recorded.