Operator: Good day, and thank you for standing by. Welcome to America's Car-Mart's Fourth Quarter Fiscal 2024 Earnings Call. At this time all participants' are in a listen-only mode. After the speakers' presentation there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Vickie Judy, America's Car-Mart's CFO. Please go ahead.