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Operator: Greetings, and welcome to the Ready Capital Third Quarter 2023 Earnings Call [Operator Instructions] As a reminder, this conference is being recorded.

San franciscoUnited statesTom capasseSarah barcombFreddie macAdam zausmerAndrew ahlbornReady capital corporationFurniture storesSmall business administrationCall transcript novemberReady capital third quarterChief finance officerReady capitalChief creditChief executive officer