Capital One Financial Corporation (NYSE:COF) Q3 2023 Earnings Conference Call October 26, 2023 5:00 PM ET Company Participants Jeff Norris - SVP, Finance Andrew Young - CFO Richard Fairbank - Chairman & CEO Conference Call Participants Ryan Nash - Goldman Sachs Mihir Bhatia - Bank of America Arren Cyganovich - Citigroup Richard Shane - JPMorgan Donald Fandetti - Wells Fargo Sanjay Sakhrani - KBW Erika Najarian - UBS Dominick Gabriele - Oppenheimer Bill Carcache - Wolfe Research Operator Good day, and thank ...