PresentationWelcome to the Sallie Mae Investor Forum 2025 Conference Call. [Operator Instructions] I would now like to turn the call over to Kate deLacy, Senior Director and Head of Investor Relations. Please go ahead.Kate deLacySenior Director & Head of Investor Relations Thank you, Cory. Good evening, and welcome to the 2025 Sallie Mae Investor Forum. It is my pleasure to be here today with Jon Witter, our CEO; Pete Graham, our CFO; and Melissa Bernau, Managing Vice President of Strategic Finance. After t ...