[0 -> 27] Good day, and welcome to the Upstart First Quarter 2023 earnings. Today's conference is being recorded. At this time, I would like to turn the conference over to Jason Schmidt, Head of Investor Relations. Please go ahead. Good afternoon, and thank you for joining us on today's conference call to discuss Upstart's First Quarter 2023 financial results. With us on today's call are Dave Gerrard, Upstart's Chief Executive Officer, [27 -> 56] and Sanjay Datta, our Chief Financial Officer. Before we begi ...