Operator: Ladies and gentlemen, thank you for standing by, and welcome to MeridianLink Fourth Quarter 2022 Earnings Call. Please be advised that this conference is being recorded.
Operator: Greetings, and welcome to the Flywire Corporation Fourth Quarter 2022 Earnings Conference Call. As a reminder, this conference is being recorded.
Operator: Good afternoon, ladies and gentlemen. Thank you for standing by. Welcome to the Marqeta s Fourth Quarter 2022 Earnings Conference Call. As a reminder, this conference call is being recorded.
Operator: Good day and thank you for standing by. Welcome to the Encore Capital Group Q4 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode.
Operator: Good afternoon, everyone, and welcome to EVERTEC s Fourth Quarter and Full Year 2022 Conference Call. Today s conference call is being recorded.