PresentationGood morning, everyone, and welcome to Navient's Strategy Update Conference Call and Webcast. Please note that this call is being recorded. [Operator Instructions]Jen EaryesHead of Investor Relations Good morning. Thank you for joining Navient's strategy update. With me today are Edward Bramson, Chair of the Navient Board of Directors; David Yowan, Navient's CEO; and Matt Palese, Earnest SVP. After the presentation, we will open up the call to take your questions. During today's call, we will re ...