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Operator: Good day, everyone, and welcome to the Credit Acceptance Corporation Fourth Quarter 2022 Earnings Call. Today s call is being recorded.

Doug buskMoshe orenbuchJay martinKen boothBank stocks toCredit acceptance corporation fourth quarterCredit suisseCredit acceptance corporationCredit acceptance corpAcceptance corporationCall transcript januaryAcceptance corporation fourth quarterChief treasurer officerInvestor relationsDylan mcleodChief executive officer